Yandex.Money / Legal Information

General Terms and Conditions of Yandex.Money Service

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For Suppliers
Accept payments via Yandex.Checkout.
Read through conditions and annexes
TopicsNumbers of clauses and annexes
Procedure of Entering into the Contract2.2, 2.3, 2.5, 2.6
Integrating2.9.1, 2.10
General Provisions6.1
The Operator’s Remuneration and Account Settlement6.2
Conditions of Acceptance of the Services Rendered by the Operator6.3
Payment Cancel and Payment Refund6.4
Rights and Obligations of the Parties
When Making Payments Using the Cards
6.5
Verification of Data9.2.5, 9.2.6, 9.3, 9.4, 9.5, 9.6
Use of Trademarks and Other Means of Individualization.
Requirements for the Counterparty's Website and User's Payment Interface
10
Liability of the Parties and Procedures for Dispute Resolution12.1, 12.13–12.19
Confidentiality13
Altering and Terminating of the Contract14
Agreement on Electronic Document FlowAnnex 1.
Form of the Act on Services RenderedAnnex 2.3., 2.4.
Table of the Payment MethodsAnnex 5.
Form of the Contract for Suppliers—Russian ResidentsAnnex 9.1.
Form of the Contract for Suppliers—non-Russian ResidentsAnnex 9.2.
Form of the Contract for Suppliers—Russian Residents
Individual Entrepreneurs
Annex 9.3.
Form of the Contract for Suppliers—Russian Residents
Corporations
Annex 9.4.
Form of the Contract for Suppliers—non-Russian Residents
Individual Entrepreneurs
Annex 9.5.
Form of the Contract for Suppliers—non-Russian Residents
Corporations
Annex 9.6.
Other Conditions15.2–15.5, 15.7–15.10
For Agents
Do advertising of Yandex.Money services.
Read through conditions and annexes
TopicsNumbers of clauses and annexes
Procedure of Entering into the Contract2.2
General Provisions8.1
The Agent’s Remuneration and Account Settlement8.2
Accepting of the Services Rendered by the Agent8.3
Use of Trademarks and Other Means of Individualization.
Requirements for the Counterparty's Website and User's Payment Interface
10
Liability of the Parties and Procedures for Dispute Resolution12.1, 12.14, 12.19
Confidentiality13
Altering and Terminating of the Contract14
Form of the Agent's ReportAnnex 2.5.
Form of the Contract for the Agents—Russian residentsAnnex 11.1.
Form of the Contract for the Agents—non-Russian residentsAnnex 11.2.
Other Conditions15.2–15.5, 15.7–15.10
For Payment Agents
Allow our clients for adding money to their Yandex.Money Wallets.
Read through conditions and annexes
TopicsNumbers of clauses and annexes
Procedure of Entering into the Contract2.2
Integrating2.9.3, 2.10
General Provisions3.1
Interaction Procedure When the Payment Agent Accepts
Cash from Individuals
3.2
Procedure and Conditions of Engaging Sub-agents by the Payment Agent3.3
The Operator’s Control over the Payment Agent’s Compliance with the Conditions of its Engaging3.4
Settlement Procedure3.5
The Payment Agent’s Remuneration3.6
Payment Agent’s Report3.7
Verification of Data9.1, 9.2.1, 9.3, 9.4, 9.5, 9.6
Use of Trademarks and Other Means of Individualization.
Requirements for the Counterparty's Website and User's Payment Interface
10
Accepting Funds by the Counterparties11
Liability of the Parties and Procedures for Dispute Resolution12.1–12.7, 12.14, 12.18, 12.19
Confidentiality13
Altering and Terminating of the Contract14
Agreement on Electronic Document FlowAnnex 1.
Form of the Payment Agent's ReportAnnex 2.6.
Form of the Location List for OperationsAnnex 3.
Form of the Contract with the Payment AgentAnnex 6.
Other Conditions15.2–15.5, 15.7–15.10
For Banks
Allow our clients for adding money to their Yandex.Money Wallets.
Read through conditions and annexes
TopicsNumbers of clauses and annexes
Procedure of Entering into the Contract2.2
Integrating2.9.4, 2.10
General Provisions4.1
The Bank’s Remuneration and Accounts Settlement Procedure4.2
Acceptance of Services Rendered by the Bank4.3
Verification of data9.2.2, 9.3, 9.4, 9.5, 9.6
Use of Trademarks and Other Means of Individualization.
Requirements for the Counterparty's Website and User's Payment Interface
10
Accepting Funds by the Counterparties11
Liability of the Parties and Procedures for Dispute Resolution12.1, 12.8, 12.9, 12.10, 12.11, 12.14, 12.18, 12.19
Confidentiality13
Altering and Terminating of the Contract14
Agreement on Electronic Document FlowAnnex 1.
Form of the Act on Services RenderedAnnex 2.1.
Form of the Contract with the Bank—Russian ResidentAnnex 7.1.
Form of the Contract with the Bank—non-Russian ResidentAnnex 7.2.
Other Conditions15.2–15.5, 15.7–15.10
For Providers
Provide our clients with Yandex.Checkout.
Read through conditions and annexes
TopicsNumbers of clauses and annexes
Procedure of Entering into the Contract2.2
Integrating2.9.5, 2.10
Rights and Obligations of the Parties7.1
General Provisions6.1
The Operator’s Remuneration and Account Settlement6.2
Conditions of Acceptance of the Services Rendered by the Operator6.3
Payment Cancel and Payment Refund6.4
Rights and Obligations of the Parties
When Making Payments Using the Cards
6.5
Verification of Data9.2.5, 9.2.6, 9.3, 9.4, 9.5, 9.6
Use of Trademarks and Other Means of Individualization.
Requirements for the Counterparty's Website and User's Payment Interface
10
Liability of the Parties and Procedures for Dispute Resolution12.1, 12.14, 12.18, 12.19
Confidentiality13
Altering and Terminating of the Contract14
Agreement on Electronic Document FlowAnnex 1.
Form of the Act on Services RenderedAnnex 2.3., 2.4.
Table of the Methods of PaymentsAnnex 5.
Form of the Contract for Providers—Russian ResidentsAnnex 10.1.
Form of the Contract for Providers—non-Russian ResidentsAnnex 10.2.
Other Conditions15.2–15.5, 15.7–15.10
For Senders
Credit money to their clients via Yandex.Checkout for mass payouts.
Read through conditions and annexes
TopicsNumbers of clauses and annexes
Procedure of Entering into the Contract2.2, 2.4, 2.7, 2.8
Integrating2.9.2, 2.10
General Provisions5.1
Interaction of the Parties when the Client Sends
Order for Transfer of the Deposit Amount
5.2
The Operator’s Remuneration and Accounts Settlement5.3
Conditions of Acceptance of the Services Rendered by the Operator5.4
Verification of Data9.2.3, 9.2.4, 9.3, 9.4, 9.5, 9.6
Use of Trademarks and Other Means of Individualization.
Requirements for the Counterparty's Website and User's Payment Interface
10
Liability of the Parties and Procedures for Dispute Resolution12.1, 12.12, 12.14, 12.18, 12.19
Confidentiality13
Altering and Terminating of the Contract14
Agreement on Electronic Document FlowAnnex 1.
Form of the Act on Services RenderedAnnex 2.2.
Form of the Contract with the Sender—Russian ResidentAnnex 8.1.
Form of the Contract with the Sender—non-Russian ResidentAnnex 8.2.
Form of the Contract with the Sender—Russian Resident
Individual Entrepreneur
Annex 8.3.
Form of the Contract with the Sender—Russian Resident
Corporation
Annex 8.4.
Form of the Contract with the Sender—non-Russian Resident
Corporation
Annex 8.5.
Form of the Contract with the Sender—non-Russian Resident
Individual Entrepreneur
Annex 8.6.
Other Conditions15.2–15.5, 15.7–15.10
 
 
Annexes
 
Download General Terms and Conditions of Yandex.Money Service; as one file (.docx, 1.42 MB)
 
 

1. General Provisions

1.1. These general terms and conditions have been developed and approved by the limited liability company non-bank credit organization Yandex.Money (OGRN 1127711000031, TIN 7750005725, the license for banking operations no. 3510-K dated 27.03.2015), hereinafter referred to as the Operator, as the standard conditions of contracts entered into by Operator with legal entities and individual entrepreneurs in the course of interaction with the Yandex.Money Service.
1.2. In these General Terms and Conditions, the following terms are used in the following meanings:
Operator—the limited liability company non-bank credit organization Yandex.Money, with the address: 11 Timura Frunze, b. 44, Moscow holding the license of Bank of Russia no. 3510-K.
Operator’s Site—the website located on the Internet at the following address: https://money.yandex.ru or https://kassa.yandex.ru/.
Yandex.Money Service—complex legal relationships that arise between Operator and the Clients, as well as between the Operator and the Counterparties, related to providing the Clients with funds transfer services by orders of individuals, and the Counterparties with accompanying informational and technological services by the Operator.
General Terms and Conditions—these General Terms and Conditions of the Yandex.Money Service.
Client—an individual over the age of fourteen years entered into the contract with the Operator on provision of funds transfer services without opening an account, including e-money.
Payer—an individual, by whose order the Payment is made. The Payer may be the Operator’s Client or an individual who is not the Operator’s Client.
Recipient—an individual, corporation or individual entrepreneur, in whose favor the Payment is made.
Money Transfer (Transfer)—credit organizations’ procedures for providing the Recipient with the Payer’s funds under the applicable forms of non-cash payments and a sum of money as an object of money transfer.
Agent—a legal entity or individual entrepreneur, carrying out the promotion of informational and technological services of the Operator under the Contract entered into.
Bank—the organization that is entitled to transfer the funds by orders of individuals in accordance with the effective local legislation and that performs Money transfers in favor of the Operator, the Merchants, or the Provider (clients of the Provider or clients of the credit organizations that are partners of the Provider) under the Contract entered into with the Operator.
Provider—the organization entitled to transfer the funds by orders of individuals in accordance with the effective local legislation, to which the Operator provides informational and technological services when making Payments in favor of the Provider, clients of the Provider, or clients of the credit organizations that are partners of the Provider, under the Contract entered into between the Operator and the Provider.
Payment agent—the bank payment agent engaged by the Operator for accepting cash from individuals, including via payment kiosks and ATMs, under the Contract entered into in accordance with these General Terms and Conditions.
Merchant—a corporation or individual entrepreneur to which the Operator provides informational and technological services when performing Money transfer in favor of the Merchant under the Contract entered into in accordance with these General Terms and Conditions. These Money transfer are executed for the purposes of making a donation or paying for the Merchant Services or other objects of civil rights.
Sender—a corporation or individual entrepreneur to which the Operator provides informational and technological services when making the Deposits under the Contract entered into between the Operator and the Sender.
Resident—a person recognized as a resident in accordance with the Russian legislation on currency regulation and currency control.
Non-resident—a person recognized as a non-resident of Russia in accordance with the Russian legislation on currency regulation and currency control.
Counterparty—any of the mentioned: Agent, Payment agent, Bank, Provider, Merchant, or Sender.
Contract—any of contracts mentioned in clause 1.5. of the General Terms and Conditions. When using the term in relation to a particular Counterparty, ‘Contract’ refers to the contract entered into under clause 1.5. of the General Terms and Conditions.
Parties—parties of the Contract.
Application—the Counterparty’s offer to enter into the Contract on the terms set forth in the Application and these General Terms and Conditions addressed to the Operator.
Request—an electronic document that is not an offer containing information about the Counterparty wishing to enter into the Contract with the Operator.
Products—the Merchant’s merchandise, intellectual property rights, works, and services.
Obligation Currency—a currency of the payments performed between the Operator and the Counterparty under the monetary obligation arising from the Contract.
Product Currency—a currency that denominates the price of the Products and other objects of civil rights to be paid for.
Personal account—a computer program with an interface located and/or available on the Internet on the Operator’s Site and displayed by the program for viewing Internet sites (web browser).
IPS—international payment systems MasterCard Worldwide, Visa International, and Mir.
Reporting day—a calendar day from 00 hours 00 minutes 00 seconds to 23 hours 59 minutes 59 seconds of Moscow Time.
Reporting month (Reporting period)—a calendar month counted from 00 hours 00 minutes 00 seconds of Moscow Time of the first calendar day of the month to 23 hours 59 minutes 59 seconds of Moscow Time of the last calendar day of the month.
Working day—a calendar day from 00 hours 00 minutes 00 seconds to 23 hours 59 minutes 59 seconds of Moscow Time excluding weekends and public holidays established by the legislation of the Russian Federation.
Deposit—the Operator’s activity aimed at accounting of funds that the Sender provided in the Client’s favor in the form of remaining e money balance and at its crediting to the Client’s electronic payment means served by the Operator.
Order on the Deposit Amount Transfer—an order on further transfer of the Deposit amount sent to the Operator by the Customer using the Sender’s Internet website.
Security—an amount of money provided by the Counterparty to the Operator as a mean to ensure the performance of the Counterparty’s obligations under the Contract. The Security can be used by the Operator to satisfy the money requirements imposed on the Counterparty under the Contract.
Card—an IPS payment card used by a cardholder for operations with funds kept by the Issuer in accordance with Russian legislation and the Contract with the Issuer.
Authorization—a procedure of making request and then receiving consent of the Acquirer for executing the payment for the Products with the Card.
Issuer—a credit organization that issued the Card.
Acquirer—a credit organization settling accounts with the Operator on transactions made with the Cards, under the Contract entered into with the Operator.
Fraudulent Transaction—the Transfer that the Card holder challenged, and/or that the Acquirer recognized as performed with fraudulent, stolen, or lost Card, and/or that was performed with the Card that IPS or the Issuer claimed fraudulent.
A statement of the Issuer, and/or IPS, and/or the Acquirer received by the Operator via email or by fax is deemed sufficient confirmation of a transaction to be Fraudulent.
Invalid Transaction—the Payment made with the Card and claimed to be invalid according to the IPS rules or the Russian legislation on the following grounds inter alia:
  • the Products paid for with the Payment are provided in breach of the Russian legislation
  • the Counterparty has failed to provide the documents requested by the Operator concerning the Invalid Transaction
  • the Product purchased by using the Card costs more than the similar Counterparty’s Products paid for in cash.

A statement filed by the Issuer, and/or IPS, and/or Acquirer and received by the Operator via email or by fax shall be sufficient to recognize a transaction as Invalid.
Notification of Money Transfer—confirmation to execute the Payer’s order for the Money Transfer.
Payment Refund—one of the following Operator’s actions:
  • full or partial refund of the Transfer amount to the Payer based on the Counterparty’s payment order
  • partial refund of the Transfer amount to the Payer at the date of sending the Notification of Money Transfer to the Counterparty, and full or partial refund of the Payment amount at any time after the date of sending the Notification of Money Transfer to the Counterparty based on the Counterparty’s order furnished via the Personal account, the MWS Protocol (this procedure applies if the Counterparty has implemented the MWS Protocol), or any other method preconcerted by the Parties
  • full or partial refund of the Transfer amount to the Payer initiated by the Operator and performed with the Counterparty’s consent. This refund is performed if there is an information that the Transfer was made without the Payer’s consent or resulted from the error of the Payer or a third party.

Payment Cancel—full return of the Transfer amount to the Payer by the Operator no later than on the date of sending the Payment Notification to the Counterparty according to the Counterparty’s order furnished via the Personal account, the Protocol MWS (. Tthe Payment Cancel is only applied if the Counterparty implemented the Protocol MWS), any other method preconcerted by the Parties.
Register—an electronic document that the Operator sends daily to the Counterparties for reconciliation of the Yandex.Money Service’s data on the Notifications of Money transfers received or sent by the Operator as specified in clause 9 of the General Terms and Conditions.
Certificate of services rendered—a document that certifies the services rendered under the Contract for the Reporting month.
Payment agent Report—a document containing information about the funds received by the Payment agent and the Payment agent’s remuneration under the Contract for the Reporting month.
Agent's Report—a document containing information about the Arent’s remunerations and other information specified in the General Terms and Conditions.
SHC—the Operator’s software and hardware complex for performing information and electronic document flow between the Operator and the Counterparty.
Agreement on electronic document flow—a document regulating usage of electronic signatures when performing the Refunds and Cancels of the Transfers. This document is specified in annex 1 to the General Terms and Conditions.
Protocol of Information Exchange—a protocol of exchanging information about the Payments, Deposit, and cash received by the Payment agent. Description of the Protocol of Information Exchange may vary depending on the type of the Counterparty and is posted on the information resources specified in the General Terms and Conditions.
MWS—the Operator’s web services for payment management (Merchant Web Services, or MWS) provide an interface for secure interaction between a Counterparty’s automated information system and the Operator over the internet in accordance with https://tech.yandex.ru/money/doc/payment-solution/About-docpage/.
Table of payment methods—a document reviewed in annex 10 to the General Terms and Conditions containing information about the methods of providing the Transfer by the Yandex.Money Service and about conditions to implement the Cancel or the Refund for these Transfers.
Оператор — общество с ограниченной ответственностью небанковская кредитная организация «Яндекс.Деньги», расположенное по адресу: Москва, ул. Тимура Фрунзе, д. 11, стр. 44, имеющее лицензию Банка России № 3510-К.
Сайт Оператора — сайт Оператора, размещенный в сети Интернет по адресу https://money.yandex.ru или https://kassa.yandex.ru/.
Сервис «Яндекс.Деньги» — комплекс правоотношений, возникающих между Оператором и Клиентами, а также Оператором и Контрагентами и связанных с оказанием Оператором Клиентам услуг по переводу денежных средств по распоряжениям физических лиц и Контрагентам — сопутствующих им информационно-технологических услуг.
Сервис «Яндекс.Касса» — часть сервиса «Яндекс.Деньги», относящаяся к комплексу правоотношений, возникающих между Оператором и Контрагентами и связанных с оказанием информационно-технологических услуг при осуществлении Переводов в пользу Постащиков/Интеграторов, а также Зачислений.
Правила — настоящие Правила работы Сервиса «Яндекс.Деньги».
Клиент — физическое лицо, достигшее четырнадцатилетнего возраста, заключившее с Оператором соглашение об осуществлении переводов денежных средств без открытия счета с использованием сервиса «Яндекс.Деньги» (далее — Соглашение).
Плательщик — физическое лицо, по распоряжению которого осуществляется Перевод. Плательщиком может выступать Клиент Оператора или физическое лицо, не являющееся Клиентом Оператора.
Получатель — физическое, юридическое лицо или индивидуальный предприниматель, в пользу которого осуществляется Перевод.
Перевод — действия кредитных организаций по предоставлению Получателю денежных средств Плательщика в рамках применяемых форм безналичных расчетов, а также далее по тексту сама сумма денежных средств, перечисляемых от Плательщика Получателю.
Распоряжение о Переводе — распоряжение Плательщика в электронном виде, на основании которого осуществляется Перевод.
Агент — юридическое лицо или индивидуальный предприниматель, осуществляющий деятельность по продвижению информационно-технологических услуг Оператора на основании заключенного с ним Договора.
Банк — кредитная или иная организация, имеющая право на осуществление переводов денежных средств по поручению физических лиц в соответствии с законодательством места ее нахождения оказывающая Оператору информационно-технологические услуги при совершении Переводов в пользу Оператора, Поставщиков или Интегратора (его клиентов или клиентов кредитной организации — партнера Интегратора) на основании заключенного с Оператором Договора.
Интегратор — организация, имеющая право на осуществление переводов денежных средств по поручению физических лиц в соответствии с законодательством места ее нахождения, которой Оператор оказывает информационно-технологические услуги при осуществлении Переводов в пользу Интегратора, его клиентов или клиентов кредитной организации — партнера Интегратора на основании заключенного между Оператором и Интегратором Договора.
БПА — банковский платежный агент, привлеченный Оператором для принятия от физических лиц наличных денежных средств, в том числе с применением платежных терминалов и банкоматов, на основании заключенного в соответствии с настоящими Правилами Договора.
Поставщик — юридическое лицо или индивидуальный предприниматель, которому Оператор на основании заключенного в соответствии с настоящими Правилами Договора оказывает информационно-технологические услуги при осуществлении Переводов в пользу Поставщика в целях внесения пожертвования, оплаты реализуемых Поставщиком Товаров или иных объектов гражданских прав.
Отправитель — юридическое лицо или индивидуальный предприниматель, которому Оператор оказывает информационно-технологические услуги при совершении Зачислений на основании заключенного между Оператором и Отправителем Договора.
Резидент — лицо, признаваемое резидентом в соответствии с законодательством Российской Федерации о валютном регулировании и валютном контроле.
Нерезидент — лицо, признаваемое нерезидентом в соответствии с законодательством Российской Федерации о валютном регулировании и валютном контроле.
Контрагент — любое из указанных лиц: Агент, БПА, Банк, Интегратор, Поставщик, Отправитель.
Договор — любой из договоров, указанных в пункте 1.5. Правил. При использовании термина применительно к определенному Контрагенту под «Договором» понимается тот вид договора, который может быть заключен с данным Контрагентом в соответствии с пунктом 1.5. Правил.
Стороны — стороны Договора.
Заявление — адресованная Оператору оферта Контрагента о заключении Договора на условиях, изложенных в Заявлении и настоящих Правилах.
Заявка — электронный документ, не являющийся офертой и содержащий информацию о Контрагенте, желающем заключить Договор с Оператором.
Товары — реализуемые Поставщиком товары, права на интеллектуальную собственность, работы, услуги.
Валюта обязательства — валюта, в которой совершаются расчеты между Оператором и Контрагентом по денежному обязательству, возникшему из Договора.
Валюта Товара — валюта, в которой выражена цена на Товары и иные объекты гражданских прав, в оплату которых совершаются Переводы.
Личный кабинет — программа для ЭВМ, интерфейс которой размещен и/или доступен в сети Интернет на Сайте Оператора и отображается посредством программы для просмотра интернет-сайтов (браузера).
МПС — платежные системы, в том числе международные, включая, но не ограничиваясь: MasterCard Worldwide, Visa International и «Мир». Конкретный перечень МПС, карты которых могут приниматься к оплате, или для зачисления на которые может быть дано Распоряжение о переводе суммы Зачисления, определяется Оператором, доводится до сведения Контрагента на сайте Сервиса и может изменяться Оператором в любое время в одностороннем порядке.
Отчетный день — календарный день с 00 часов 00 минут 00 секунд по 23 часа 59 минут 59 секунд московского времени.
Отчетный месяц (Отчетный период) — календарный месяц, исчисляющийся с 00 часов 00 минут 00 секунд московского времени первого календарного дня месяца по 23 часа 59 минут 59 секунд московского времени последнего календарного дня месяца.
Рабочий день — календарный день с 00 часов 00 минут 00 секунд по 23 часа 59 минут 59 секунд московского времени, за исключением выходных и нерабочих праздничных дней, установленных законодательством Российской Федерации.
Зачисление — действие Оператора по учету денежных средств, предоставленных Отправителем в пользу Клиента, в виде остатка электронных денежных средств и зачислению их на обслуживаемое Оператором электронное средство платежа Клиента.
Распоряжение о переводе суммы Зачисления — распоряжение о дальнейшем переводе суммы Зачисления, направленное Клиентом Оператору с использованием сайта Отправителя в сети Интернет.
Обеспечение — денежная сумма, предоставленная Контрагентом Оператору как способ обеспечения исполнения обязательств Контрагента по Договору. Обеспечение может быть использовано Оператором для удовлетворения любых денежных требований к Контрагенту по Договору.
Карта — платежная карта МПС, предназначенная для совершения держателем Карты операций с денежными средствами, находящимися у Эмитента, в соответствии с законодательством Российской Федерации, правилами МПС и договором с Эмитентом.
Авторизация — процедура запроса и последующего получения от Эквайрера согласия на проведение операции с использованием Карты в оплату Товара.
Эмитент — кредитная организация, эмитировавшая Карту.
Эквайрер — кредитная организация, осуществляющая расчеты с Оператором по операциям, совершаемым с использованием Карт, на основании заключенного с Оператором договора.
Мошенническая операция — Перевод, заявленный МПС/Эмитентом/Оператором как мошеннический и/или оспоренный Плательщиком и/или признанный Эквайрером/Оператором совершенным без согласия Плательщика или совершенный без Распоряжения на Перевод, в том числе с использованием поддельного электронного средства платежа/ вредоносных компьютерных программ и т.п.
Достаточным подтверждением Мошеннической операции являются, в частности:
  • заявление Эмитента/МПС/Эквайрера, полученное Оператором посредством электронной почты или с использованием факсимильной связи,
  • обоснованное заявление Клиента об использовании электронного средства платежа без его согласия, полученное в порядке, предусмотренном Соглашением,
  • фиксация Оператором факта совершения перевода без Распоряжения на Перевод.
  • Недействительная операция — Перевод, заявленный МПС/Эмитентом/Эквайрером/Оператором/Клиентом/держателем Карты недействительным в соответствии с правилами МПС, Соглашением, настоящими Правилами или законодательством Российской Федерации, в том числе по следующим основаниям:
  • Товары, в оплату которых совершался Перевод, не предоставлены или предоставлены с нарушением количества/качества/сроков/иных условий договора или законодательства Российской Федерации,
  • Контрагент не предоставил документы, запрошенные Оператором в отношении Недействительной операции,
  • стоимость Товара, оплаченного с использованием Яндекс.Кассы, превышает обычную цену Контрагента на аналогичные Товары при оплате иными способами.

  • Достаточным подтверждением Недействительной операции являются, в частности:
  • заявление Эмитента/МПС/Эквайрера, полученное Оператором посредством электронной почты или с использованием факсимильной связи,
  • обоснованное заявление Клиента, полученное в порядке, предусмотренном Соглашением,
  • фиксация Оператором факта непредоставления Оператору запрошенных документов, иного факта, влекущего квалификацию операции как недействительной.
  • Уведомление о Переводе — сообщение о приеме к исполнению распоряжения Плательщика о Переводе.
    Возврат Перевода — возврат Плательщику части суммы Перевода в день направления Контрагенту Уведомления о Переводе, а также полной или частичной суммы Перевода в любое время после дня направления Контрагенту Уведомления о переводе.
    Возврат Перевода осуществляется по инициативе Контрагента способом, доступным на момент совершения Возврата Перевода технически из описанных на Сайте Оператора и/или доступных в Личном кабинете. Такими способами являются, включая, но не ограничиваясь:
  • платежное поручение, полученное от Контрагента,
  • распоряжение Контрагента, переданное посредством Личного кабинета,
  • распоряжение Контрагента, переданное посредством MWS, если его подключение реализовано Контрагентом,
  • распоряжение Контрагента, переданное иным способом, согласованным Сторонами.

  • Возврат Перевода по инициативе Оператора, совершается ,без согласия Контрагента по Мошенническим и Недействительным операциям.
    Отмена Перевода — возврат Оператором Плательщику полной суммы Перевода не позднее дня направления Контрагенту Уведомления о переводе на основании распоряжения Контрагента, переданного способом, доступным на момент совершения Отмены Перевода технически из описанных на Сайте Оператора и/или доступных в Личном кабинете. Такими способами являются, включая, но не ограничиваясь:
  • распоряжение Контрагента, переданное посредством Личного кабинета,
  • распоряжение Контрагента, переданное посредством MWS, если его подключение реализовано Контрагентом,
  • распоряжение Контрагента, переданное иным способом, согласованным Сторонами.
  • Реестр — электронный документ, ежедневно направляемый Оператором Контрагентам для осуществления сверки данных Сервиса «Яндекс.Деньги» о поступивших Оператору или отправленных им уведомлениях о Переводах/Зачислениях/иных расчетах в порядке, указанном в разделе 9 Правил.
    Акт об оказанных услугах — документ, удостоверяющий приемку услуг, оказанных по Договору, за Отчетный месяц.
    Отчет БПА — документ, содержащий информацию о принятых БПА денежных средствах и вознаграждении БПА по Договору за Отчетный месяц.
    Отчет Агента — документ, содержащий информацию о размере вознаграждения Агента и иную информацию, предусмотренную Правилами.
    ПАК — комплекс программно-аппаратных средств Оператора, позволяющий осуществлять обмен информацией и электронный документооборот между Оператором и Контрагентом.
    Соглашение об электронном документообороте — документ, регулирующий отношения Оператора и Контрагента при использовании электронных подписей, содержащийся в приложении № 1 к Правилам и размещенный на странице https://money.yandex.ru/doc.xml?id=527255 в сети Интернет.
    Протокол обмена информацией — протокол передачи данных между Оператором и Контрагентом при осуществлении Переводов, Зачислений или приеме наличных денежных средств БПА. Описание Протокола обмена информацией зависит от вида Контрагента и содержится на указанных в Правилах информационных ресурсах.
    MWS (Merchant Web Services) — интерфейс для защищенного взаимодействия автоматизированной информационной системы Контрагента и Оператора через интернет в соответствии с Протоколом обмена информацией https://tech.yandex.ru/money/doc/payment-solution/payment-management/payment-management-about-docpage/.
    Таблица способов осуществления Переводов — документ, содержащийся в Приложении № 5 к настоящим Правилам, содержащий информацию о способах осуществления Переводов в Сервисе «Яндекс.Деньги» и возможности их Возврата или Отмены.
    1.3. The Yandex.Money Service provides information and technological interaction between the Operator and the Counterparties when performing the Money transfers.
    The Transfer can be carried out both with participation of the Operator’s Client as the Payer and/or the Recipient and between the persons who are not the Operator’s Clients for the cases when the Operator acts as a paying agent for the Payment.
    When Transfers are performed within the Yandex.Money Service, the funds transfer services can be provided by the Bank, Provider and the Operator. Possible Recipients of the Client: the Merchant, the Provider, the Provider’s clients, clients of the credit organization—the Provider’s partner, and the Operator in the cases when the Transfer is made in order to increase the remaining e-money balance of the Operator’s Clients.
    The Operator shall provide the Clients with the option of providing funds in favor of the Operator without using a bank account (including by making payment to the Payment agent), with the use of a bank account, and at the expense of the funds provided by the Sender in favor of the Client.
    The Payer, Recipient, and Counterparty (excepting the Payment agent) may be either Resident or Non-resident. The Operator can engage only Residents as the Payment agents.
    1.4. These Terms and Conditions regulate relationships between the Operator and the Counterparty under the Contract entered into by one of the methods set forth in clause 2 of the General Terms and Conditions.
    1.5. The Operator can enter into the following Contracts under the conditions set forth in these General Terms and Conditions:
    1.5.1. The Contract on Payment and Processing Service entered into with the Merchant having its subject as providing the Merchant with informational and technological services by the Operator, including collecting, processing and transferring of information on the Payments in favor of the Merchant
    1.5.2. The Contract on Payment and Processing Service entered into with the Bank having its subject as performing Money transfer in favor of the Clients, Merchants, and/or Providers (their clients or clients of credit organizations that are partners of Providers)
    1.5.3. The Contract on Payment and Processing Service entered into with the Provider having its subject as providing the Provider with informational and technological services by the Operator including collecting, processing, and transferring of information on the Payments in favor of the Providers, its clients or clients of credit organization that are partners of the Provider
    1.5.4. The Contract on engaging bank payment agent entered into with the Payment agent having its subject as performing legal and other actions on accepting cash from individuals including via payment terminals and ATMs by the Payment agent acting as the Operator’s bank payment agent on behalf of and at the expense of the Operator
    1.5.5. The Contract on Payment and Processing Service entered into with the Sender having its subject as providing the Sender with informational and technological services by the Operator including collecting, processing, and transferring of information about the Deposits made by the Operator
    1.5.6. The Agency Contract entered into with the Agent having its subject as engaging the Merchants for entering into the Contract with the Operator for remuneration acting from their name at the Operator's expense.
    1.6. Obligations arising between individuals (the Payers or the Payments Recipients) on the one hand and the Counterparties on the other hand, pursuant to which the Money transfers/ Deposits are made, shall occur in the manner and on the grounds prescribed by law and (or) a contract between individual and the Counterparty and shall not be subject to regulation of the Contracts entered into in accordance with these General Terms and Conditions.
    1.7. The Operator has the right to demand information on the obligations set forth in clause 1.6. of these General Terms and Conditions from the Counterparty if such information is required by law on counteraction to legalization (laundering) of income obtained by criminal means and terrorism financing.
    1.8. When entering into the Contract with the Operator, the Counterparty guarantees that he or she and its agency (representative) bear the necessary legal capacity as well as all rights and powers necessary and sufficient for entering into and executing of the Contract in accordance with these General Terms and Conditions.
    1.9. Current version of the General Terms and Conditions is published on the Operator’s Site at the address https://money.yandex.ru/doc.xml?id=527067.

    2. Procedure of Entering into the Certain Types of Contracts and Technical Integrating of the Parties

    2.1. The Contract between the Operator and the Counterparty can be entered into by signing a document in hard copy or via exchanging of documents using one of the methods specified in clauses 2.2—2.7 of the General Terms and Conditions.
    Таблица возможных способов заключения Договора:
    ContractorДоговор по форме на бумажном носителеЗаявление (оферта) с отметкой об акцепте на бумажном носителеЭлектронный обмен документами
     Method 1Method 2Method 3
    БПАДА
    приложение № 6
    nono
    Банк-РезидентДА
    приложение № 7.1
    nono
    Банк-НерезидентДА
    приложение № 7.2
    nono
    Отправитель-РезидентДА
    приложение № 8.1
    ДА
    приложение № 8.3 (для индивидуальных предпринимателей);
    приложение № 8.4 (для юридических лиц).
    ДА
    приложение № 8.3 (для индивидуальных предпринимателей);
    приложение № 8.4 (для юридических лиц).
    Отправитель-НерезидентДА
    приложение № 8.2
    ДА
    приложение №8.5 (для юридических лиц);
    приложение №8.6 (для индивидуальных предпринимателей)
    no
    Поставщик-РезидентДА
    приложение № 9.1
    ДА
    приложение № 9.3 (для индивидуальных предпринимателей);
    приложение № 9.4 (для юридических лиц).
    ДА
    приложение № 9.3 (для индивидуальных предпринимателей);
    приложение № 9.4 (для юридических лиц).
    Поставщик-НерезидентДА
    приложение № 9.2.
    ДА
    приложение №9.5 (для юридических лиц);
    приложение №9.6 (для индивидуальных предпринимателей)
    no
    Интегратор-РезидентДА
    приложения № 10.1
    nono
    Интегратор-НерезидентДА
    приложение № 10.2
    nono
    Агент-РезидентДА
    приложение № 11.1
    nono
    Агент-НерезидентДА
    приложение № 11.2.
    nono
    2.3. The Contract between the Operator and the Supplier—Non-resident can be entered into by signing the same document in hard copy by the Parties in the following order:
    2.3.1. The Supplier furnishes the Application as specified in annex 9.5 (for corporations) or in annex 9.6 (for sole proprietors) to this Terms and Conditions in two copies, both signed by the Supplier’s designated person and sealed by the Supplier’s seal (if any) and sends it at the Operator’s postal address specified in sub-clause 15.6. of the General Terms and Conditions.
    2.3.2. The Contract shall be deemed entered into from the date set forth in the Supplier’s Application that the Operator’s designated person signs in order to accept the Supplier’s offer on entering into the Contract. The Application with the Operator’s mark of acceptance of the Supplier’s offer specified in the Application is the only document that confirms the Contract has been entered into. One copy of the Application with the Operator’s mark of acceptance is returned to the Supplier and the other copy is kept by the Operator.
    2.3.3. The Operator is entitled to decline entering into the Contract with the Supplier without giving any reason by sending notice to the e-mail address of the Supplier specified in the Application.
    2.5. The Contract between the Operator and the Merchant—Resident can be entered into through exchange of documents by electronic communication by the Parties in the following order:
    2.5.1. The Merchant initiates entering into the Contract by making the Request on the Operator’s Site and accepting terms and conditions of the Merchant Profile Agreement https://money.yandex.ru/doc.xml?id=523050.
    2.5.2. Should the Merchant post on the Personal account a scanned copy of the Application preliminary filled out, signed by the Merchant’s authority, and sealed with the Merchant’s seal according to form in annex 9.3 to the General Terms and Conditions (for Merchants – individual entrepreneurs), or annex 9.4 to the Terms and Conditions (for Merchants – legal entities), this shall be recognized as sending by the Merchant to the Operator an irrevocable offer to enter into the Contract on the terms specified in the Application and the General Terms and Conditions.
    2.5.3. The Contract shall be deemed to have been made from the date the Operator posts on the Personal account a notice on accepting the offer from the Applications.
    2.5.4. The Operator is entitled to refuse the Merchant to enter into the Contract without giving any reason by sending notice to the Merchant’s e-mail address specified in the Application or by posting the notice on the Personal account.
    2.7. The Contract between the Operator and the Sender—Resident can be entered into through exchange of documents by electronic communication by the Parties in the following order:
    2.7.1. The Sender sends to the Operator’s e-mail address merchants@money.yandex.ru a scanned copy of the Application preliminary filled out, signed by the Sender’s authority, and sealed with the Sender’s seal according to one of the forms specified in the following annexes:
    • annex 8.3 to the General Terms and Conditions for the Senders—Residents who are individual entrepreneurs;
    • annex 8.4 to the General Terms and Conditions for the Senders—Residents who are corporations.

    The Sender’s Application shall be recognized as an irrevocable offer to enter into the Contract on the terms specified in the Application and the General Terms and Conditions.
    2.7.2. The Contract shall be deemed to have been made from the date Operator send a notice on accepting the offer from the Application to the Sender’s e-mail address specified in the Application.
    2.7.3. The Sender should provide the Operator with a hard copy of the original Application within 20 (twenty) days from the date of entering into the Contract. The Sender sends a scanned copy of the original Application in accordance with sub-clause 2.7.1. of these General Terms and Conditions.
    2.7.4. The Operator is entitled to refuse the Sender to enter into the Contract without giving any reason by sending notice to the Sender’s e-mail address specified in the Application.
    2.4. Оператор вправе отказать Контрагенту в заключении Договора без объяснения причин, направив уведомление на адрес электронной почты Контрагента, указанный в Заявлении.
    2.8. The exchange of electronic documents in the order specified in clauses 2.5, 2.6 and 2.7 of the General Terms and Conditions is deemed proper observance of the simple written form of the Contract entered into in accordance with paragraph 2 of article 434 of the Civil Code of the Russian Federation.
    2.9. To fulfill the obligations arising from the Contract (excepting the Contract with Agent), the Counterparty should sign up to the SHC and implement the Protocol of Information Exchange in the following order:
    2.9.1. The relationships between Operator and the Merchant on information and technological interaction when exchanging the Notifications of Money transfer are regulated by the Protocol of Information Exchange posted on https://tech.yandex.ru/money/doc/payment-solution/About-docpage/
    Having the Personal account been provided to the Merchant, it can be used by the latter for selecting one of the methods of sending Notifications of Money transfer proposed in paragraph 1.2. of the Protocol of Information Exchange. At the same time, the Merchant provides technical information required for integration with the SHC.
    The Merchants that have entered into the Contract as provided in sub-clauses 2.2. and 2.3. of the General Terms and Conditions shall select one of the methods of sending Notifications of Money transfer specified in sub-clause 1.2. of the Protocol of Information Exchange. This method should be specified in the Application or in the Contract.
    The Merchant that have entered into the Contract as provided in sub-clause 2.6. of the General Terms and Conditions should use the method of giving Notifications of Money transfer at the Counterparty’s email address specified in the Application.
    The Merchant shall have the right to send to Operator’s email address ecommerce@yamoney.ru a proposal to change the method of sending Notifications of Money transfer to any other without contradiction with the Merchant’s implementation schemes specified the Protocol of Information Exchange. In this case, the Merchant is obliged to provide the Operator with technical information necessary for changing the implementation scheme of the Merchant in the volume established by the Operator. New method to give Notifications of Money transfer will be applied to the relations of the Parties from the date a notice about the readiness to use it is sent by Operator to the Merchant’s e-mail address.
    2.9.2. Relationships between the Operator and the Sender on information and technological interaction while making Deposits are regulated by the Protocol of Information Exchange posted on the Internet at https://tech.yandex.ru/money/doc/payment-solution/payout/intro-docpage/. If the Sender specified Deposits Agent application in the Application or the Contract, the Sender cannot transmit the Order for transferring the Deposit Amount to the Operator.
    The Sender at its own discretion may use the app ‘Deposit Agent’ for information and technological interaction while making Deposits. The Operator sends the link for downloading the app. Using this method for information and technological interaction while making Deposits the Sender cannot transmit the Orders for money transfer of the Deposit sum.
    The method of information and technological interaction while making Deposits have to be noticed in the Application/Contract.
    The Sender that has entered into the Contract as provided in clauses 2.4. and 2.7. of the General Terms and Conditions and has selected the Deposits Agent application in the Applicaiton is entitled to send to Operator’s e-mail address gateway@yamoney.ru an offer to transmit to the Operator the Order for transferring the Deposit Amounts. In this case, the Sender is obliged to provide the Operator with technical data necessary for changing the Sender’s implementation scheme in the volume established by the Operator. The Sender is entitled to transmit the Orders on transferring the Deposit Amounts as soon as the Operator notifies the Sender on their readiness for the information and technology interaction for transmitting the Orders and as soon as the Parties have negotiated the Operator's remuneration for providing the Deposits notified of by the Order on transfer.
    2.9.3. Relationships between the Operator and the Payment agent on information and technological interaction are regulated by the Protocol of Information Exchange posted on the website https://tech.yandex.ru/money/doc/payment-solution/deposition/intro-docpage/
    2.9.4. Relationships between the Operator and the Bank on information and technological interaction are regulated by the Protocol of Information Exchange posted on the website https://tech.yandex.ru/money/doc/payment-solution/deposition/intro-docpage/
    2.9.5. Relationships between the Operator and the Provider on information and technological interaction are regulated by the Protocol of Information Exchange posted on https://tech.yandex.ru/money/doc/payment-solution/About-docpage/.
    2.7. Отношения Оператора и Контрагента по информационно – технологическому взаимодействию регулируются Протоколом обмена информацией, размещенному в сети Интернет по адресу, указанному в таблице ниже в графе «Протокол обмена информацией», в графе «Порядок подключения» указаны условия технической интеграции:
    ContractorПротокол обмена информациейПорядок подключения
    БПАhttps://tech.yandex.ru/money/doc/payment-solution/deposition/intro-docpage/Подключение БПА к ПАК осуществляется совместными силами БПА и Оператора.
    Факт такого подключения подтверждается направлением Оператором посредством электронной почты с/на адреса, указанные в Договоре, уведомления БПА о готовности к информационному взаимодействию с указанием необходимых технических данных Сторон.
    bankhttps://tech.yandex.ru/money/doc/payment-solution/deposition/intro-docpage/Подключение Банка к ПАК осуществляется совместными силами Банка и Оператора.
    Факт такого подключения подтверждается направлением Оператором посредством электронной почты с/на адреса, указанные в Договоре, уведомления Банку о готовности к информационному взаимодействию с указанием необходимых технических данных Сторон.
    Senderhttps://tech.yandex.ru/money/doc/payment-solution/payout/intro-docpage/Выбранный Отправителем способ информационно-технологического взаимодействия при совершении Зачислений указывается в Заявлении/Договоре.
    Подключение Отправителя к ПАК осуществляется совместными силами Отправителя и Оператора. Факт такого подключения подтверждается направлением Оператором посредством электронной почты с/на адреса, указанные в Заявлении/Договоре, уведомления Отправителю о готовности к информационному взаимодействию с указанием необходимых технических данных Сторон.
    Отправитель может по своему усмотрению использовать для информационно-технологического взаимодействия с Оператором приложение «Агент по зачислениям». Ссылка для загрузки приложения предоставляется Оператором при подключении Отправителя. При использовании данного способа информационно-технологического взаимодействия при совершении Зачислений у Отправителя отсутствует возможность передачи Оператору Распоряжения о переводе суммы Зачисления.
    При использовании Отправителем приложения «Агент по зачислениям» подключение к ПАК осуществляется силами Отправителя путем выполнения инструкций, направленных Оператором посредством электронной почты.
    Vendor https://tech.yandex.ru/money/doc/payment-solution/About-docpage/ , https://kassa.yandex.ru/docs/api_kassa_apple_pay_via_sdk.pdfПервоначально выбранный способ передачи Уведомлений о Переводах указывается в Заявлении/Договоре.
    Технические данные, необходимые для подключения Поставщика к ПАК, предоставляются одним из следующих способов:
    • через Личный кабинет,
    • на один из указанных в пункте 2.3.2. Правил адресов электронной почты.
    Факт подключения подтверждается направлением Оператором посредством электронной почты с/на адреса, указанные в Заявлении/Договоре или через Личный кабинет, уведомления Поставщику о готовности к информационному взаимодействию.
    Интеграторhttps://tech.yandex.ru/money/doc/payment-solution/About-docpage/Первоначально выбранный способ передачи Уведомлений о Переводах указывается в Заявлении/Договоре.
    Технические данные, необходимые для подключения Интегратора к ПАК, предоставляются одним из следующих способов:
    • через Личный кабинет,
    • на один из указанных в пункте 2.3.2. Правил. адресов электронной почты.
    Факт подключения подтверждается направлением Оператором посредством электронной почты с/на адреса, указанные в Заявлении/Договоре или через Личный кабинет, уведомления Поставщику о готовности к информационному взаимодействию.
    2.8. Все уведомления, поступившие в соответствии с Протоколом обмена информацией, считаются поступившими от соответствующей Стороны по Договору. Каждая из Сторон самостоятельно и за свой счет обеспечивает безопасность своих программно-аппаратных комплексов и информационных систем, задействованных при информационно – технологическом взаимодействии по Договору, и самостоятельно несет риски, связанные с неправомерным доступом третьих лиц к таким программно-аппаратным комплексам и информационным системам.
    Контрагент вправе привлекать третьих лиц для обеспечения интеграции программно-аппаратного комплекса Сторон и (или) их дальнейшего информационно-технологического взаимодействия, неся перед Оператором ответственность за действия привлеченных третьих лиц как за свои собственные.
    2.9. Изменения и дополнения к заключенному Договору, оформляются Сторонами по правилам, предусмотренным для заключения Договора - пункт 2.1. Правил, если иное не предусмотрено Правилами.
    2.10. Изменение настроек технической интеграции, подключение/отключение новых способов платежа осуществляется на основании информации об изменении технических параметров взаимодействия, полученных Оператором через Личный кабинет или на один из указанных в пункте 2.3.2. адресов электронной почты, или на адрес, указанный в Заявлении/Договоре.
    Факт такого изменения подтверждается направлением Оператором посредством электронной почты с/на адреса, указанные в Заявлении/Договоре, уведомления Контрагенту о готовности к информационному взаимодействию с учетом новых технических параметров и/или размещается в Личном кабинете.
    2.12. The Operator has the right to suspend the SHC functioning together with information and technology servicing of the Counterparty in the following cases:
    • if the Operator carries out a scheduled maintenance (complex preventive maintenance works aimed at support of the working order) of the SHC—for the period of the scheduled maintenance
    • if the Counterparty breaches any of their obligations under the Contract or the legislation of the Russian Federation (including if the Operator has suspicion as to involving the Counterparty into money laundering activity or any other illegal activity)—till elimination of the violation by the Counterparty or till the date of the termination of the Contract
    • if circumstances beyond the Operator’s control occur that prevent correct functioning of the Operator’s SHC—for the period of such circumstances.

    Should the suspension of the information and technology services occur, the Operator sends to the Counterparty a notice stating the reason and period of suspension no later than the date of such suspension.
    2.14. Before entering into the Contract and at any time of its effective period, the Operator has the right to request the documents listed in annex 4 to the General Terms and Conditions and any explanations and documents probating the legacy of the Counterparty's activity.
    2.15. When the Counterparty has notified the Operator of its contact information (e.g. postal or e-mail address, number of means of communication, etc.), it has thus agreed that the Operator may send the Counterparty any information about the Operator’s and its partners' services.
    2.14. Оператор предоставляет Интегратору, Отправителю, Поставщику (далее в настоящем пункте – Контрагенту) Личный кабинет в соответствии с Соглашением об использовании Личного кабинета https://money.yandex.ru/doc.xml?id=523050.
    2.14.1. Доступ к Личному кабинету предоставляется Контрагенту исключительно после его аутентификации, осуществляемой путем проверки подлинности введенных авторизационных данных (логина и пароля). Авторизационные данные создаются Контрагентом самостоятельно при направлении Заявки и признаются Сторонами достаточными для аутентификации Контрагента при доступе к Личному кабинету.
    2.14.2. Все документы/уведомления/распоряжения, размещенные/совершенные Контрагентом в Личном кабинете Контрагента, признаются подлинными, целостными, равнозначными документам/уведомлениями на бумажном носителе, которые удостоверены собственноручной подписью уполномоченного лица Контрагента и направлены Оператору. Любые действия, совершенные с использованием Личного кабинета, признаются совершенными Контрагентом.
    2.14.3. Размещение Оператором информации в Личном кабинете признается надлежащим уведомлением Контрагента о юридически значимых действиях и событиях, за исключением случаев, когда обязанность уведомить другую Сторону в письменном виде на бумажном носителе или с использованием электронной почты прямо предусмотрена Правилами.
    2.14.4. Контрагент обязан хранить свои авторизационные данные в тайне. Оператор не несет ответственности за убытки и иные неблагоприятные последствия для Контрагента, возникшие в результате доступа неуполномоченных Контрагентом лиц к Личному кабинету в результате разглашения или утраты Контрагентом его авторизационных данных.

    3. Payment Agent. Rights and Obligations of the Parties.

    3.1. General Provisions
    3.1.1. The Payment agent acting as a bank payment agent undertakes to accept cash from individuals for a remuneration on behalf of and at the expense of the Operator including via payment terminals and ATMs.
    3.1.2. The Payment agent shall be entitled in the manner prescribed by the General Terms and Conditions to engage sub-agents to accept cash from individuals including via payment terminals and ATMs and bear responsibility to the Operator for their actions as for his or her own.
    3.1.3. Information and technological interaction of the Parties is carried out in a real-time mode in accordance with the Protocol of Information Exchange.
    3.1.4. When entering into the Contract, the Payment agent provides the Operator with the list of locations for receiving cash in hard copy according to the form specified in annex 3 to the General Terms and Conditions.
    The Payment agent undertakes to inform the Operator about any alterations made to the said list no later than three calendar days before the date of the relevant changes by sending a new list of transactions places, according to the form in annex 7 to the General Terms and Conditions, via email.
    3.1.5. The Operator has the right to enter into similar contracts with other agents.
    3.1.6. The Operator is entitled to request termination of accepting cash by the Payment agent and/or any engaged subagent with the simultaneous suspension of information and technology interaction under the Protocol of Information Exchange.
    3.2. Interaction Procedure When the Payment Agent Accepts Cash from Individuals
    3.2.1. The Payment agent is entitled to accept cash from individuals by any lawful method either with or without using payment kiosks and ATMs.
    3.2.2. When receiving cash with the use of payment kiosks and ATMs, procedures of accepting funds shall comply with the requirements of section 11 of the General Terms and Conditions.
    3.2.3. The Payment agent undertakes to accept funds only if an individual specifies (denotes) personal information required for identifying of the Recipient under the Protocol of Information Exchange.
    3.2.4. The Payment agent shall provide information required by Federal law No. 161-FZ ‘On national payment system’ and information provided for this purpose by the Operator at every location where a bank payment agent performs transactions.
    3.2.5. In confirmation of the acceptance of funds from an individual regardless of the method of such acceptance the Payment agent shall issue to this individual a cashier’s receipt that should include information about the amount of funds to be transferred to Operator, should include information about all the commissions an individual was charged with, should include the information required by Federal law No. 161-FZ ‘On national payment system’, and should meet other requirements set by federal laws.
    3.2.6. The Payment agent undertakes to immediately inform the Operator about the funds received by the method set forth in the Protocol of Information Exchange.
    3.2.7. The Payment agent shall not be entitled to return the amount of the received funds to the individual after informing the Operator about the acceptance of funds in accordance with sub-clause 3.2.6. of the General Terms and Conditions unless otherwise is agreed upon by the Parties.
    3.2.8. The Payment agent shall not be entitled to receive amounts exceeding 15,000 (Fifteen thousand) rubles, unless the Payment agent is authorized for identification of individuals by the Contract and the amounts used for the Money transfers that require the Payer's identification/simplified identification.
    3.2.9. When accepting cash, the Agent undertakes only to credit the received funds to (a) special bank account(s).
    3.2.10. If the Payment agent considers that a transaction is initiated for money laundering purposes the Payment agent shall inform the Operator in writing.
    3.3. Procedure and Conditions of Engaging Sub-agents by the Payment Agent
    3.3.1. Engaging sub-agents by the Payment agent is allowed, if the Payment agent follows all requirements for such attracting, stated by Federal law No. 161-FZ ‘On national payment system’ and the General Terms and Conditions.
    3.3.2. The Payment agent shall list the sub-agents engaged according to the form specified in annex 7 to the General Terms and Conditions and in case of any alteration made to the said list the Payment agent should send a new version of this list via e-mail to the Operator no later than on the following Working day after the date of the relevant alteration.
    3.3.3. The Payment agent’s remuneration paid by the Operator shall include the sub-agents’ remuneration for the transactions they performed. Every particular rate of such sub-agents’ remuneration is set by the contracts made by the Payment agent and sub-agents. The Payment agent performs all settlements of the said sub-agent’s remuneration on their own behalf and at their own expense.
    3.3.4. The Payment agent undertakes to include provisions concerning execution of the Payment agent’s obligations specified in paragraph 3.7.4 of the General Terms and Conditions into the contracts entered into with sub-agents.
    3.3.5. The Payment agent undertakes to control how the sub-agents fulfill the requirements to their activities specified in the Federal law in the volume no less than the volume established by sub-clause 3.4. of the General Terms and Conditions, and send to the Operator in electronic form a notice of the violations identified containing a description of the revealed violations not later than in 3 (three) Working days following the date of revealing the violations of these requirements by sub-agent.
    Upon the Operator’s request, the Payment agent within a reasonable time provides the Operator with the evidence discovered by Payment agent that confirms violation of the engaging procedure.
    3.3.6. The Payment agent undertakes to refuse unilaterally to perform under the contract entered into between the Payment agent and sub-agent and to provide the Operator with a proof that a notice on such refusal was properly delivered within 5 (five) Working days from the date the relevant request from the Operator was received.
    The Payment agent undertakes to perform all activities necessary to deprive the relevant sub-agent to continue conducting transactions on behalf and at the expense of the Operator not later than on the following Working day after the date the request specified in the first subparagraph of this paragraph was received from the Operator.
    3.4. The Operator’s Control over the Payment Agent’s Compliance with the Conditions of its Engaging
    3.4.1. The Operator uses the following forms of control over the Payment agent’s compliance with the conditions of its attraction:
    • receiving and analysis of the Payment agent’s reports stipulated by the General Terms and Conditions
    • scheduled and unscheduled inspecting of the activity stipulated by the General Terms and Conditions and conducted by the Payment agent
    • documenting the Payment agent’s violations of engaging and (or) breaching of legislation on counteraction to legalization (laundering) of income obtained by criminal means and terrorism financing that were detected
    • reclaiming explanations from the Payment agent about the revealed violations by the Operator
    • controlling over elimination by the Payment agent of the violations revealed by the Operator.

    3.4.2. Specific control measures are determined by the Operator independently on the basis of information and documents received from the Payment agent in accordance with the General Terms and Conditions and from other bodies and persons including individuals that transfer money to the Payment agent or sub-agent.
    The Operator is not obliged to notify the Payment agent about any planned and (or) implemented control measures.
    3.4.3. The Payment agent undertakes, upon receipt of the Operator’s request, within period specified in the request, to provide Operator with a hard copy explanation of cause of the Payment agent’s violations of the terms of his or her engaging and (or) legislation on counteraction to legalization (laundering) of income obtained by criminal means and terrorism financing listed in the request.
    3.4.4. The Operator is entitled to request the following documents from the Payment agent while implementing forms of control specified in sub-clause 3.4.1.:
  • questionnaire in the form fixed by the Operator;
  • report in the form fixed by the Operator about transactions under the Contract over a period of month preceding the inspection;
  • references from banks about special payment agent’s accounts that are used for transactions under the Contract;
  • copies of cashier’s receipts confirming the acceptance of cash by the Payment agent;
  • information that is placed for clients in the locations for receiving cash;
  • copies of documents concerning the registration cash registers in the Tax Authority;
  • a draft of contract for the payment subagents;
  • evidences of inspections of subagents;
  • list of Payment agent’s locations for receiving cash;
  • list of other banks and non-credit organizations on behalf of and at the expense of which the Payment agent acts as a payment agent as well;
  • copy of the authorization document of The AML Authority in accordance with the law dated 03.06.2009 N 103-FZ Concerning Payment Agent Activity if applicable;
  • other documents attesting the Payment agent acts bona fide.
  • 3.5. Settlement Procedure
    3.5.1. The Payment agent shall transfer the Security amount determined by the Payment agent to the Operator within 5 (five) Working days from the date of connection to the SHC. Later on the Payment agent refills amount of the Security at its own discretion if this is necessary. The Payment agent indicates the following purpose of payment for all cases stipulated in this paragraph: ‘The Security Deposit under the contract No. [number and date of the Contract] is not subject to VAT’.
    Remaining balance of the Security limits maximum amount of cash received by the Payment agent in accordance with the Contract. The Operator gains no rights and obligations to the funds received in excess of the specified maximum amount. All claims of individuals on acceptance of such funds shall be settled by the Payment agent independently and at his or her own expense.
    3.5.2. In case of an excessive reduction in the Security amount, the fact of which is independently determined by the Operator, the Operator is entitled to demand the Payment agent to suspend accepting funds and/or adding money to the Security in the amount independently determined by the Payment agent when paying the Security first time.
    3.5.3. The Operator does not pay interests on the Security amount. The unused remaining balance of the Security amount shall be returned to the Payment agent within 5 (five) Working days from the date of termination of the Contract.
    3.5.4. The amount of funds received by the Payment agent during the Reporting day shall be transferred by the Payment agent to the Operator no later than the first following Working day.
    The amounts specified in the first paragraph of this sub-clause are transferred by separate payment order for each Register of received funds that was sent by the Operator to the Payment agent in accordance with clause 9 of the General Terms and Conditions. These payment orders shall include the following payment details: ‘Payment under contract No. [number and date of the contract] under register No. [number and date of the received funds Register]; not subject to VAT’.
    A part of the remuneration collected by the Payment agent from individuals in favor of Operator in accordance with sub-clause 3.6.5. of these General Terms and Conditions shall be transferred by a separate payment order to the Operator’s account specified in the Contract within five (5) Working days from the date of the Operator’s approval of the Payment agent Report for the relevant Reporting month. These payment orders shall include the following payment details: ‘Transfer of a part of the remuneration collected from users under the contract No. [number and date of the Contract] for the timespan [month and year], including VAT 18%’.
    3.5.5. If the amount specified in the first and the third paragraphs of sub-clause 3.5.4. of the General Terms and Conditions has not been transferred within the term in the abovementioned paragraph, the Operator has the right to withhold an equal part of the Security amount.
    3.5.6. The Payment agent undertakes to immediately suspend the acceptance of funds upon receiving the relevant request from the Operator and to suspend accepting funds by sub-agents until the Security amount will be refilled.
    3.5.7. The Payment agent cannot withhold amounts subject to crediting to the Operator.
    3.5.8. If an erroneous transfer of funds occurs, the Payment agent has the right to demand refunding the erroneous transfer by the Operator in a written form sent to the e-mail address otmena-banks@money.yandex.ru. Based on duly furnished original application of the Payment agent, the Operator adds amount of money equal to the erroneously transferred amount to the Security amount, if this money has not been fully or partially spent by the Client, or the Operator has not received consent of the Recipient who is not the Operator’s Client.
    For refund of erroneously transferred amount, the Operator has the right to charge ten percent penalty of the refund from the Payment agent. This penalty is deducted from the refunded amount. The Operator shall not be liable for refusing to refund the erroneously transferred amount that was fully or partially spent by the Client, as well as the amount accepted in favor of the Recipient, who is not the Client.
    3.5.9. The amounts specified in sub-clauses 3.5.1, 3.5.4. shall be transferred from the Payment agent’s special bank account. If the Payment agent ignores this requirement, the Operator is entitled not to accept the amounts.
    3.6. The Payment Agent’s Remuneration
    3.6.1. The Payment agent’s remuneration is agreed upon by the Parties under the Contract and shall be calculated as a percent of the received funds in the case where the Payment agent does not collect remuneration from individuals in his or her own favor, or as a fixed amount for the Reporting Period for the case where the Payment agent collects remuneration from individuals in his or her favor. The Payment agent’s remuneration includes VAT at the rate stipulated by Russian legislation. If the Payment agent is not a VAT payer, the Payment agent’s remuneration is not subject to VAT.
    3.6.2. Remuneration for the Reporting month is paid to the Payment agent on the basis of the Payment agent’s Report agreed upon before the twentieth (20) day of the month following the Reporting month.
    3.6.3. The Operator shall not pay losses incurred by the Payment agent when performing their obligations including the remuneration paid by the Payment agent to sub-agents according to contracts entered into between them, except as otherwise agreed upon by the Parties complementary.
    3.6.4. The Payment agent has the right to collect remuneration in their favor from individuals who provide funds if the corresponding condition is set forth by the Contract.
    Maximum amount of the Payment agent’s remuneration collected from individuals is specified in the Contract. Total amount of the remunerations collected by the Payment agent and sub-agent shall not exceed the remuneration amount set forth by the Contract.
    If the Contract provides Payment agent with the right to collect remuneraion from individuals, the Payment agent is obliged to notify Operator about collecting of the remuneration and about its altering within the limits set forth by the Contract within 3 (three) Working days from the date the Contract was made or from the time the respective alteration was implemented by sending information about the rate of the remuneration to the email address infobanks@yamoney.ru.
    3.6.5. In cases provided by the Contract, the Payment agent undertakes to pay to the Operator part of the remuneration specified in sub-clause 3.6.4. of the General Terms and Conditions.
    3.7. Payment Agent’s Report
    3.7.1. No later than the fifth (5) day of the month following the Reporting month, the Payment agent provides the Operator with the Payment agent Report in the form stipulated by annex 2.6 to the General Terms and Conditions by sending it to the email address finance.moscow@yamoney.ru.
    The Payment agent Report in a hard copy and the invoice (the latter only if the Payment agent is a VAT payer) are provided to the Operator no later than the tenth (10th) day of the calendar month following the Reporting month.
    3.7.2. The Operator approves the Payment agent Report by signing it or sends to the Payment agent a written reasoned refusal to accept the Payment agent’s services (to sign the Report) within 10 (ten) calendar days from the date of receiving it in hard copy.
    3.7.3. If the Parties have certificates of electronic signature verification keys that were issued by the same or different accredited certifying centers and that allow them to perform electronic interaction, the Parties agree upon the Payment agent Report by exchanging documents signed with qualified electronic signature in the terms stipulated by sub-clauses 3.7.1 — 3.7.2. of the General Terms and Conditions. In this case exchanging the Payment agent Reports in hard copies is not required.
    3.7.4. The Payment agent Report should include information about all the transactions made by sub-agents for the relevant Reporting period.

    4. Bank. Rights and Obligations of the Parties

    4.1. General Provisions
    4.1.1.The Bank undertakes to perform Money transfers in favor of the Operator’s Clients, Merchants, Providers, clients of Providers or clients of the credit organizations that are partners of Providers.
    4.1.2. The Bank undertakes to send the Notification of Money transfer to the Operator in real-time mode in accordance with the Protocol of Information Exchange.
    4.2. The Bank’s Remuneration and Accounts Settlement Procedure
    4.2.1. The Operator undertakes to pay the Bank a remuneration for services rendered in the amount agreed upon by the Parties in the Contract. The Bank’s remuneration is not subject to VAT in accordance with subparagraph 3 of paragraph 3 of article 149 of the Internal Revenue Code of the Russian Federation. Taxation of Non-resident Bank’s remuneration in country of its origin is carried out in accordance with the personal law of Non-resident Bank. Non-resident Bank’s remuneration includes all taxes and fees stipulated by the legislation of the country of the Bank’s origin, which shall be calculated and paid by Non-resident Bank independently.
    4.2.2. The Operator transfers to the Bank the remuneration for the Reporting month based on the agreed upon Act of the rendered services that shall be made as stipulated in annex 5.1. to the General Terms and Conditions no later than the twentieth (20) day of the month following the Reporting month.
    4.2.3. The Bank has the right to collect remuneration from the Payers in their favor if the corresponding condition is set forth in the Contract.
    If the Contract provides the Bank with the right to collect remuneration from individuals, the Bank is obliged to notify Operator that the remuneration is collected and that alterations to the remuneration amount is made within the limits set forth by the Contract within 3 (three) Working days from the date the Contract was entered into or from the date the respective change was made by sending information about the rate of fee to the email address infobanks@yamoney.ru.
    4.2.4. Amounts of the Transfers subject to transferring to the Operator by the Bank shall be transferred no later than one Working day following the day when the Bank gives the Operator the Notification of Money transfer. The payment details shall include the following information: ‘Transfer of the funds under contract No. number and date of the Contract under register No. number and date of the Payments Register. Not subject to VAT’.
    4.2.5. If an erroneous transfer of funds occurs, the Bank has the right to demand refunding the erroneous transfer by the Operator in a written form sent to the e-mail address otmena-banks@money.yandex.ru. Basing on duly furnished original application of the Bank, the Operator refunds the erroneously transferred amount to the Bank, if this money have not been fully or partially spent by the Client, or the Operator has received consent of the Recipient who is not the Operator’s Client.
    For refund of erroneously transferred amount, the Operator has the right to charge ten percent penalty of the refund from the Bank. This penalty is deducted from the refunded amount. The Operator shall not be liable for refusing to refund the erroneously transferred amount that was fully or partially spent by the Client, as well as the amount accepted in favor of the Recipient, who is not the Client.
    4.2.6. The Non-resident Bank shall transfer the Security in the amount determined by Non-resident Bank in Russian rubles to the Operator within 5 (five) Working days from the date of connection to the SHC. Then, in case of such necessity, the Non-resident Bank refills amount of the Security at its own discretion. The Non-resident Bank indicates the following payment details in all cases specified in this paragraph: ‘Security Deposit under the contract No. [number and date of the Contract]. Not subject to VAT’.
    Remaining balance of the Security amount limits the maximum amount of the Transfers that can be received by the Non-resident Bank in accordance with the Contract. No rights and obligations arise before the Operator with respect to funds received in excess of the specified maximum amount. All claims of the Payers associated with the acceptance of such funds shall be settled by the Non-resident Bank independently and at its own expense.
    Should the Security amount be excessively reduced, the fact of which is determined by the Operator, the latter is entitled to demand to suspend accepting Transfers and/or refill the Security amount independently determined by the Non-resident Bank when making first payment of the Security amount.
    Interest on the Security deposit is not paid by the Operator. The Security remained unused shall be returned to the Non-resident Bank within 5 (five) Working days from the date of termination of the Contract.
    In case if the amount specified in the first and the third paragraphs of sub-clause 4.2.4. of the General Terms and Conditions has not been transferred within the term set forth by the mentioned sub-clause, the Operator has the right to withhold a part of the Security equal to this amount with notifying of the Non-resident Bank via email about the amounts withheld and remained on the Security after the deduction.
    In the case of termination or cancellation of the Contract, the sum of the security deposit should be transferred to the Non-resident Bank after all settlements in ten days after the date of termination/cancellation.
    4.2.7. Settlements under the Contract are carried out in Russian rubles.
    4.3. Acceptance of Services Rendered by the Bank
    4.3.1.The Bank generates and sends to the Operator for prior approval a draft of Act on the rendered services provided on a monthly basis within 5 (five) Working days from the date when the Reporting month ends to the e-mail address daygate@yamoney.ru.
    4.3.2. The Operator is obliged to approve and send it to the Bank via email to the address specified in the Contract or in the same order to send its objections within 5 (five) days from the date of receiving the draft of Act on the rendered services.
    4.3.3.The Bank shall sign and send to the Operator two copies of the agreed Act on the rendered services within 3 (three) Working days from the date of its receiving from the Operator.
    4.3.4. The Operator is obliged to send to the Bank a copy of the Act on the rendered services signed by Operator within 3 (three) Working days from the moment the signed Act on services rendered was received by the Operator in hard copy.
    4.3.5. If the Parties have certificates of electronic signature verification keys that were issued by the same or different accredited certifying centers and that allow them to perform electronic interaction, the Parties agree upon the Act on the rendered services by exchanging documents signed with qualified electronic signature in the terms stipulated by sub-clauses 4.3.1 — 4.3.4. of the General Terms and Conditions. In this case exchanging the Acts on services rendered in hard copies is not required.

    5. Sender. Rights and Obligations of the Parties

    5.1. General Provisions
    5.1.1. The Operator undertakes to provide to the Sender, for a remuneration, information and technology services including, inter alia, collection, processing and transmitting of information on the Deposits committed by the Operator.
    5.1.2. The Operator undertakes to process the Sender’s requests on making the Deposits as stipulated by the Protocol of Information Exchange and to make Deposits in real-time mode in case of a positive result of such processing.
    The amount specified in the Sender’s requests on making Deposits and transferred to the Client is denominated in Russian rubles.
    5.1.3. The Operator is entitled to refuse to make the Deposit if the Deposit exceeds the remaining balance of the Security or the Deposit will result in violation of Russian law requirements, Bank of Russia regulations, or conditions of the contract entered into between Operator and the Client.
    5.1.4. The Sender is obliged to resolve with the Clients and tax authorities the issues concerning paying taxes imposed on the Deposit amounts.
    5.1.5. The Sender assumes all risks arising from transferring false information about the Client and the Deposit amounts by the Sender in the manner prescribed by the Protocol of Information Exchange,
    5.2. Interaction of the Parties when the Client Sends Order for Transfer of the Deposit Amount
    5.2.1. The Sender solely provide the Clients facilities for sending the Order of money transfer of sum of Deposit using the Sender’s official website specified in the Contract or the Application in order to provide further transfer of the Deposit amount sent with one, several, or all of the following purposes:
    (a) to pay for the mobile radiotelephone communication services provided by the operators OJSC ‘MTS’, OJSC ‘VimpelCom’, OJSC ‘MegaFon’, Tele2, Skartel LLC, SMARTS OJSC, and MOTIV
    (b) to the Bank account of the Client—Russian citizen opened in the credit organization that was registered and is now operating in accordance with the legislation of the Russian Federation
    (c) to the Bank account of the Client—Russian citizen opened for performing transactions using bank cards of the international payment systems MasterCard Worldwide, VISA International, or Mir.
    5.2.2. In order to fulfill the obligations stipulated by sub-clause 5.2.1. of the General Terms and Conditions, the Sender posts on his or her official website:
    (a) A link to the page of the Operator’s official website with the Operator’s offer addressed to individuals, citizens of Russia, located at the address https://money.yandex.ru/pay/doc.xml?offerid=default The page of the Sender’s website with the specified link must also contain the field for acceptance of the Operator’s offer by individuals
    (b) A form of information to be reported by the Client when issuing Order of money transfer of sum of Deposit specified in sub-clauses 5.2.1. (b) and (c) of the General Terms and Conditions that should include last name, first name, middle name (if any), and series and number of the Payer’s passport.
    5.2.3. Accepting the Operator’s offer by the Client and filling out (at the issuance of the Orders specified in paragraph 5.2.1. (b) and (c) of the General Terms and Conditions) the information from are considered to be mandatory conditions for issuing the Order of money transfer of sum of Deposit. The Sender guarantees to the Operator to comply with these terms and conditions when transmitting the Client’s Orders.
    5.2.4. The Orders are transferred by the Sender to the Operator as stipulated by the Protocol of Information Exchange with the simultaneous transferring of information about accepting of the Operator’s offer by the Client and, in case of issuance of the Orders specified in sub-clauses 5.2.1. (b) and (c) of the General Terms and Conditions, the Client’s information specified in sub-clause 5.2.2. (b) of the General Terms and Conditions.
    5.2.5. If the Order of money transfer of sum of Deposit cannot be executed by the Operator due to absence or incorrectness of the details provided or otherwise beyond the control of the Operator, the latter returns the Deposit amount to the Sender by adding the Deposit amount to the balance the Security.
    5.3. The Operator’s Remuneration and Accounts Settlement
    5.3.1. To ensure fulfillment of the obligations, the Sender shall transfer solely determined Security amount to the Operator within 5 (five) Working days from the date of receiving the Operator’s notification on readiness for communication under paragraph 2.10. of the General Terms and Conditions. Then, shall it be necessary, the Sender refills the Security amount at his or her own discretion.
    5.3.2. The Security amount is transferred via the payment order to the account specified in the Application or Contract that was opened by the Operator for the Security. This payment order shall include the following payment details: ‘Deposit amount under contract No. Number and date of the Contract. Not subject to VAT’.
    5.3.3. The Security amount shall be transferred by the Sender—Resident in Russian rubles.
    The Security amount can be transferred by the Sender—Non-resident in Russian rubles or in foreign currency. The currency of the Sender—Non-resident’s obligations on transfer of the Security amount shall be specified in the Contract or Application.
    5.3.4. If the Currency of the Sender’s obligation on transfer of the Security amount is foreign currency, for all subsequent operations the Operator accounts the Security in Russian rubles decreased by 2% (two percent) rate of the obligation’s Currency to Russian ruble, established by Bank of Russia on the date of receipt of the Security amount to the correspondent account of the Operator.
    5.3.5.When settling of accounts under the Contract is made, the Operator shall return the remaining balance of the Security to the Sender within 10 (ten) Working days from the date of termination or expiration of the Contract.
    If the Currency of the Sender’s obligation on transfer of the Security amount is foreign currency, the Operator returns the Security amount according to the following order: the Security amount in Russian rubles is converted to the obligation’s Currency at the rate of this currency to the Russian ruble set by the Bank of Russia on the date of the return of the Security amount increased by 2% (two percent), and transferred in the Currency of the obligation to the bank account of the Sender.
    5.3.6. The amount of each Deposit, information about which is sent according to the Protocol of Information Exchange, is deducted by the Operator from the Security amount at the time of making the Deposit.
    5.3.7. The Sender undertakes to pay to the Operator a remuneration for services rendered in the amount agreed upon by the Parties in the Contract. The Operator’s remuneration is not subject to VAT in accordance with subparagraph 3 paragraph 3 of article 149 of the Internal Revenue Code of Russia.
    The Operator’s remuneration is deducted from the Security no later than the date of making the Deposit. If the Security’s remaining balance is less than the remuneration to be deducted, the Sender shall transfer to the Operator the remaining amount within 3 (three) Working days from the date of receiving the relevant request from the Operator at the Sender’s email address specified in the Contract or Application.
    5.3.8. If the Operator returns the Deposit amount in the manner prescribed by sub-clause 5.2.5. of the General Terms and Conditions, the Operator’s remuneration is not charged. If the Deposit amount is returned after the Operator has the remuneration charged, Operator refunds full amount of such remuneration to the Sender by increasing the remaining balance of the Security.
    5.4. Conditions of Acceptance of the Services Rendered by the Operator
    5.4.1. Within 5 (five) days from the date of expiry of the Reporting month, the Operator sends the Act on the rendered services provided for the Reporting month to the Sender via email to the address specified in the Application or Contract. The form of the Act on the rendered services is specified in annex 2.2. to the General Terms and Conditions.
    5.4.2. Within 5 (five) days from the date of receiving the Act on the rendered services, the Sender should approve and send it to the Operator via email to the address daygate@yamoney.ru or to send its objections under the same conditions.
    5.4.3. Within 3 (three) Working days from the date of receiving from the Sender the agreed upon Act on the rendered services, the Operator shall sign and send to the Sender two copies of this Act.
    5.4.4. Within 3 (three) Working days from the moment of receiving the signed Act on the rendered services from Operator in hard copy, the Sender should send to the Operator a copy of this Act signed manually.
    If the Sender has not sent a signed Act on the rendered services or a reasoned written refusal to sign this Act within the specified term, the relevant Operator’s services are considered to be rendered fully and properly.
    5.4.5. If the Parties have certificates of electronic signature verification keys issued by the same or different accredited certifying centers and allowing the Parties to conduct electronic interaction, the Parties agree upon the Act on the rendered services through exchange of documents signed with qualified electronic signature within the terms stipulated by sub-clauses 5.4.1—5.4.4. of the General Terms and Conditions. In this case, exchange of the Act on the rendered services in hard copies is not required.

    6. Merchant. Rights and Obligations of the Parties

    6.1. General Provisions
    6.1.1. The Operator undertakes to provide to the Merchant, for a fee, information and technology services including, inter alia, collection, processing, and transmission of information on the Money transfers in favor of the Merchant made as payment for the Merchant’s Services or other objects of civil rights.
    6.1.2. The Operator undertakes to provide the Merchant with the Notification of Money transfer made in favor of the Merchant in real-time mode, according to the Protocol of Information Exchange.
    6.1.3. The Merchant agrees to consider the Payers’ monetary obligations to the Merchant to be fulfilled from the moment the Operator sends the Notification of Money transfer to the Merchant.
    6.1.4. The Merchant undertakes to resolve the Payers’ claims for the Payment refunds independently. If the Merchant intends to refund money under the claim, it has to use the method of refund defined in the Contract.
    6.1.5. Methods used by the Payers when performing the Transfers to the Merchant are listed in the Table of payment methods contained in annex 5 to the General Terms and Conditions. The Operator is entitled to suspend making Transfers in favor of the Merchant by any of the methods listed in the Table of payment methods, with having a notification sent to the Merchant via email no later than the date of such termination.
    New payment methods can be activated after accepting the one Party via e-mail the appropriate offer of the other Party.
    6.1.6. If the Merchant is planning to change the Service list, they undertakes to inform the Operator about such change no later than 5 (five) Working days before the planned date of change.
    6.1.7. The Merchant should not sell the Services forbidden for sale by laws of the country the Merchant is located in and by legislation of Russia, as well as the Services forbidden for sale via the Internet in accordance with the IPS rules.
    6.1.8. Operator provides the Merchant with the Personal account in accordance to Personal account agreement https://money.yandex.ru/doc.xml?id=523050.
    6.1.9. Access to the Personal account is only granted to the Merchant after its authentication by checking the authenticity of the specified authorization information (username and password). Authorization information is created by the Merchant independently when sending the Request and recognized by the Parties sufficient for authentication of the Merchant when accessing the Personal account.
    6.1.10. All documents/notices/orders stored in the Merchant's Personal account are recognized as authentic, integral, and equivalent to the documents/notices in hard copies certified by the original signature of the Merchant’s authority and sent to Operator. Any action committed with the use of the Personal account is considered to be committed by the Merchant.
    6.1.11. The information posted on the Personal account by Operator is recognized as a proper noticing of the Merchant about legally significant actions and events taking place, except the cases when the Terms and Conditions stipulates the obligation to notify the other Party in writing, on paper, or by email.
    6.1.12. The Merchant should keep its authorization information in secret. Operator is not responsible for any loss or other adverse consequences that affect the Merchant should they result from unauthorized access to the Merchant’s Personal account caused by disclosure or loss of the authorization information by the Merchant.
    6.2. The Operator’s Remuneration and Account Settlement
    6.2.1. The Merchant undertakes to pay a remuneration for services rendered the Operator in the amount agreed upon by the Parties in the Contract or the Application. The amount of the Operator’s remuneration for the Reporting month is calculated on the basis of the Act on the rendered services as a percent of sum of each Transfer reported to the Merchant with the Notification in the course of the Reporting month.
    The Operator’s remuneration is not subject to VAT in accordance with subparagraph 3 of paragraph 3 of article 149 of the Internal Revenue Code of Russia.
    6.2.2. The Operator’s remuneration is deducted from the amounts to be transferred by the Operator to the Merchant.
    6.2.3. The Merchant does not have the right to collect remuneration from the Payers or to charge them with any additional costs in connection with the payments performed through the Operator.
    6.2.4. Any expenses (costs) incurred by the Operator when performing their obligations under the Contract are accounted in the amount of the Operator’s remuneration and are not subject to additional compensation by the Merchant, if such compensation is not specified by a separate agreement made between the Parties.
    6.2.5. The Transfers are transferred to the Merchant—Resident in Russian rubles net of all deductions that the Operator is entitled to make in accordance with the General Terms and Conditions not later than 2 (second) Working day from the date of sending the Notification of Money transfer by the Operator to the Merchant.
    In the Notification of Money transfer, the amount of the Transfer made by the Operator is indicated in Russian rubles.
    6.2.6. The Transfers shell be transferred to the Merchant—Non-resident by one of the following methods:
    (a) If the Currency of the Services and the Currency of the Operator’s obligation of money transfer to the Merchant are Russian rubles, the Transfers are remitted to the Merchant net of all deductions that the Operator is entitled to make in accordance with the General Terms and Conditions not later than 2 (second) Working day from the date of sending the Notification of Money transfer by the Operator.
    In the Notification of Money transfer the amount of the Transfer made by the Operator indicated in Russian rubles.
    (b) If the Currency of the Services are Russian rubles and the Currency of the Operator’s obligation of money transfer to the Merchant is foreign currency, the Operator shall remit to the Merchant the sum of Transfer during 40 (forty) days since the date of dispatch of the Notification of such transfer unless earlier expiry occurs under the terms hereunder.
    The Operator shall remit to the Merchant Transfers during 10 (ten) days since the sum of Transfers exceeded one of the following amounts:
    •1,800 (one thousand eight hundreds) US Dollar/Euro if the Currency of the Operator’s obligation of money transfer to the Merchant is US Dollar/Euro. This amount should be calculated at the exchange rate of US Dollar/Euro to the Russian ruble, set by Bank of Russia plus two percent
    •1,000 (one thousand) Russian rubles if the Currency of the Operator’s obligation of money transfer to the Merchant is other than US Dollar or Euro.
    The sum of Transfers shall be transferred to the Merchant minus all the deductions that the Operator is entitled to exercise under this General Terms and Conditions, in the Currency of the Operator’s obligation of money transfer to the Merchant and by the exchange rate of that currency to the Russian ruble set by Bank of Russia on the date of the transfer plus two percent.
    The amount of the Transfer made by the Operator shall be indicated in Russian rubles in the Notification of Money transfer.
    (c) If the Currency of the Services is a foreign currency, the Operator shall remit to the Merchant the sum of Transfer during 40 (forty) days since the date of dispatch of the Notification of such transfer unless earlier expiry occurs under the terms hereunder.
    The Operator shall remit to the Merchant Transfers during 10 (ten) days since the sum of Transfers exceeded one of the following amounts:
    •1,800 (one thousand eight hundreds) US Dollar/Euro if the Currency of the Services is US Dollar/Euro
    •1,000 (one thousand) Russian rubles if the Currency of the Services is other than US Dollar or Euro. This amount should be calculated at the exchange rate of the Currency of the Services to the Russian ruble, set by Bank of Russia plus five percent.
    The amount of the Transfers shall be transferred to the Merchant in the Currency of the Services minus all deductions that the Operator has the right to exercise under the General Terms and Conditions, in the same currency.
    In this case, the Operator gives the Merchant the Notification of Money transfer containing the amount of each Transfer denominated in Russian rubles and in the Currency of the Services at the rate of this currency to the Russian ruble, established by Bank of Russia at the date of sending the Notification of Money transfer to Merchant decreased by five percent.
    6.2.7. The Currency of the Services and the Currency of the Operator’s obligation of money transfer to the Merchant shall specified in the Application or the Contract, if the Contract is made with the Merchant—Non-resident.
    6.3. Conditions of Acceptance of the Services Rendered by the Operator
    6.3.1. Acceptance of the services provided by the Operator is filed as the Act on the rendered services provided according to the form:
    • specified in annex 2.3 to the General Terms and Conditions, for Resident Merchants and Non-resident Merchants for settlement of accounts in accordance with paragraph 6.2.6. (а) and (b) of the General Terms and Conditions
    • specified in annex 2.4 to the General Terms and Conditions, for Non-resident Merchants for settlement of accounts in accordance with paragraph 6.2.6. (а) and (b) of the General Terms and Conditions.

    6.3.2. Within 5 (five) days from the date of the Reporting month expiry, the Operator shall send to the Merchant the Act on the rendered services during the Reporting month by email to the address specified in the Application or Contract. If the Supplier has the Personal Account, the Operator additionally posts the Act on Services Rendered on the Personal Account within 10 (ten) days from the end of the Reporting Month. If the Operator has not executed any orders on making the Transfers in favor of Merchant during the Reporting month, the Operator is entitled not to furnish the Act on the rendered services to the Merchant.
    6.3.3. No later than 15 (fifteenth) day of the month following the Reporting month, if the Merchant has objections to the Act on the rendered services provided, they shall send them to the Operator via email to the address shoppay@yamoney.ru. If the Operator does not receive the Merchant’s objection within the specified period, the relevant Operator’s services are considered to be rendered fully and properly.
    6.3.4. If the Merchant’s objections concerning the amounts contained in the Act on the rendered services will be found justified, the Operator undertakes to send to the Merchant’s e-mail address specified in the Application or the Contract revised Act on the rendered services no later than three (3) Working days from the date of receiving the Merchant’s objections. The Merchant may claim their objections to the revised Act on the rendered services not later than the first Working day following the day of receipt, otherwise the revised Act on the rendered services is considered to be accepted by the Merchant without objections and the relevant Operator’s services are considered to be rendered fully and properly.
    6.3.5. If the Merchant needs the Act on the rendered services to be signed in hard copy, the Merchant sends to the Operator two copies of the Act signed with its hand after approval of the Act on the rendered services. In this case, the Operator shall sign the Act on the rendered services provided and send one copy of it to the Merchant within 3 (three) Working days from the date of its receiving in hard copy.
    6.3.6. The Operator is entitled not to furnish the Act on the rendered services to the Merchant, if during the Reporting month the Operator has not executed any orders on making the Transfers in favor of the Merchant.
    6.3.7. If the Parties have certificates of electronic signature verification keys issued by the same or different accredited certifying centers and allowing the Parties to perform electronic interaction, the Parties agree upon the Acts on the rendered services by exchanging of documents signed with qualified electronic signature in the terms stipulated by sub-clauses 6.3.2—6.3.4. of the General Terms and Conditions. For this case, exchange of Acts on the rendered services in hard copies is not required.
    6.3.8. In case of necessity to resend the Act on the rendered services in hard copy by the Operator due to circumstances beyond the Operator’s control, the Merchant is charged a remuneration amounting 100 (one hundred) rubles for 1 document, including VAT.
    6.4. Payment Cancel and Payment Refund
    6.4.1. The Cancels and Refunds are executable:
  • via the Protocol MWS;
  • via the Personnal Account;
  • using any other method preliminary agreed upon by the Parties.

  • 6.4.2. The Merchant that has implemented the Protocol MWS and sent a notification of readiness to use it to the Operator via email has the right to initiate the Refund or Cancel performed upon the Supplier's order drawn up in accordance with the Protocol MWS and signed by electronic signature as stipulated by the Agreement on Electronic Document Flow.
    6.4.3. Performance of the Payment Cancel and Payment Refund via the Personal account depend on the Personal account functionality. All orders for the Payment Cancel and Payment Refund placed via the Personal account shall be treated as the Supplier's order in a hard copy signed with a handwritten signature, if the Merchant uses the correct authorization for accessing the Personal account.
    6.4.4. The Payment Refund does not entail that the Operator is obliged to return to the Merchant the amount of the remuneration received for notifying the Merchant about this Transfer.
    The Merchant may send to the Operator several orders on refunding parts of the Transfer amount if their total amount does not exceed the amount of this Transfer.
    The Transfers amount refunded to the Payers is deducted by the Operator from the amount of the Transfers subject for remitting to the Merchant. Should the amount of such Transfers be insufficient for making the deduction in full, the Merchant transfers to the Operator the remaining amount within 3 (three) Working days from the date of receipt of the relevant Operator’s request via email or in hard copy.
    6.4.5. The Payment Cancel is carried out by the Operator on basis of the Merchant’s order sent to the Operator before the latter transfers the amount of the relevant Transfer to the Counterparty.
    The Operator’s remuneration on the cancelled Transfer is not charged.
    The Cancelled transfers are not considered to be performed by the Operator and are not included into the Register and the Acts on the rendered services.
    6.4.6. The Merchant—Resident that has not implemented the Protocol MWS, has not registered the Personnal account and has not agreed with the Operator upon other method of refunding, has the right to initiate the Payment Refund, transferring the amount of the Transfer (or a part of it) to the Operator by a transfer order sent to the Operator’s account used for refunds. When transferring funds as the Payment Refund the Merchant indicates the following in the field ‘Purpose of payment’: ‘Refund under contract [number and date of the Contract] payment No. [transaction number] user No. [number assigned to Payer by Operator], without VAT’.
    In accordance with this sub-clause, the Payment Refund does not entail obligation of the Operator to return the amount of the remuneration received for notifying the Merchant about this Transfer to the Merchant.
    6.4.7. If the Operator receives information that the Transfer in favor of Merchant has been made without the consent of the Payer (except the Fraudulent or Invalid Transactions) , or due to errors made by the Payer or a third party, the Operator shall be entitled to return such Transfer with the consent of the Merchant. In this case, the Operator sends a message about the Transfers remitted erroneously or without the Payer’s consent to the Merchant by e-mail. The Merchant shall refuse or accept returning of the Transfer amount by sending e-mail to the Operator no later than the first Working day following the day of receiving this message.
    If the Merchant’s agrees to return the Transfer amount transferred erroneously or without the Payer’s consent of Payer, the Operator shall return the Transfer using one of the following methods:
    (а) if the amount of the Transfer to be refunded has been transferred to the Merchant, the Operator deducts it from the amount of the Transfers to be remitted by the Operator to the Merchant. Should the amount of such Transfers be insufficient for making the deduction in full, the Merchant transfers the remaining amount to the Operator within 3 (three) Working days from the date the relevant Operator’s request was received via email or in hard copy.
    (b) if the amount of the Transfer to be refunded has not been transferred to the Merchant, the Operator's obligation to transfer to Merchant the amount of such Transfer terminates when the Operator receives the message about the Merchant’s consent to Refund the Transfer.
    The Transfers returned in accordance with sub-clause 6.4.7. are not charged the Operator’s remuneration.
    6.4.8. In all other cases, if the Payments Refund to the Payers is necessary at the Merchant's discretion, such refund is made by the Merchant without the Operator’s participation.
    6.4.9. Possibility to perform the Return or Cancel of the Transfer depends on the payment method and is specified in the Table of payment methods.
    6.5. Rights and Obligations of the Parties When Making Payments Using the Cards
    6.5.1. Settlements of the transactions made with the Cards in favor of the Merchants are carried out based on the contracts the Operator entered into with the Acquirers and Merchants.
    6.5.2. The Operator performs all actions required to register the Merchant in the Acquirer’s information system for making settlements with the Cards, if this method of payment is set forth for the Merchant in the Contract or the Application or activated in accordance to item 6.1.5. of the General Terms and Conditions. Acquirer makes decision on registration or refusal in registration. The Operator shall not be responsible for any Merchant’s losses related to the Acquirer’s refuse to register the Merchant and to execute settlements on transactions using the Cards in his or her favor.
    6.5.3. The Operator undertakes to provide information and technological interaction between the Merchant and Acquirer when transferring funds using the Cards. This interaction includes receiving from the Merchant and delivering to the Acquirer requests for Authorization and receiving from the Acquirer and delivering to the Merchant Authorization results.
    6.5.4. The Operator undertakes to make settlement of accounts with the Merchant, for transactions with the Cards as stipulated by paragraph 6.2. of the General Terms and Conditions.
    6.5.5.The Merchant is obliged to provide the documents and fulfill other requirements imposed by the Operator on the basis of the relevant requests (demands) of the Acquirers within 3 (three) days from the date of receiving the request from the Operator.
    6.5.6. The Merchant shall determine independently the procedure of rejecting the Services (timescales and conditions) with consideration of the condition that the buyer has the right to reject all of the Services paid with the Card or a part of it.
    6.5.7. The Merchant shall determine independently the procedure (methods and timescales) of how individual returns the Services paid for with the Card taking into account that the refund of the amount paid for the Service is carried out only to the Card that was used to pay for the Services and that the buyer has the right to return all or part of the Services paid for with the Card.
    6.5.8. The Merchant is obliged to provide the Operator with information about the Services being carried out by the Merchant, procedure description for paying for the Services, procedure description for providing individuals with the Services, procedure description for refusal, and procedure description for return of the Services within 3 (three) days from the date of receiving the relevant request from the Operator.
    6.5.9. If the holder or Issuer of the Card disputes the transaction made with the use of this Card, the Operator on the basis of the relevant message of the Acquirer has the right to request information and documents confirming the Merchant’s proper performance of their obligations under the Contract, as well as the Merchant’s proper performance of their obligations to the Payer in form and amount specified by Operator, and Merchant undertakes to provide these documents within 3 (three) Working days from receiving the relevant request from the Operator.
    The Merchant is also obliged to provide documents specified in this sub-clause in case of the Payer’s contesting over the transfer performed by deducting funds from their bank account opened in the Bank upon receiving by the Operator the relevant demand from the Bank.
    6.5.10. The Operator is entitled to provide the Acquirer with the information about the Merchant (including legal/postal address, telephone/fax numbers, e-mail address, website, bank details, etc.), in order to transmit this information to the IPS to ensure security and prevent fraud when using the Cards.
    6.5.11. The Operator has the right not to transfer to the Merchant the amounts of Fraudulent and Invalid transactions.
    6.5.12. The Operator is entitled to deduct the amount of the Transfer remitted to the Merchant and subsequently recognized as the Fraudulent or Invalid from the funds subject for transfer to the Merchant by the Operator. Should the amount of such Transfers be insufficient for making the deduction in full, the Merchant shall transfer to the Operator the remaining amount within 3 (three) Working days from the date the relevant Operator’s request was received.
    6.5.13. The Operator is entitled to demand from the Merchant to return amounts of the Transfers recognized as the Fraudulent or Invalid during the effective period of the Contract and for 180 days from the date of its termination.
    6.5.14. Should the Acquirer charge the Operator a penalty/fee (in accordance with the rules of IPS) related to performing Transfers with forged, lost, or stolen Card or to other cases where the penalty/fee is charged due to circumstances beyond the Operator’s control, the Merchant shall reimburse the penalties/fees amounts paid by the Operator as stipulated by sub-clause 6.5.12. of the General Terms and Conditions.
    6.5.15. Merchant shall be due for all documented expenses of the Operator arising in connection with refunding the Transfer amount recognized Fraudulent or Invalid to the Card holder.
    6.5.16. Provisions of this clause 6.5. are also applied to the Transfers performed with the linked Card, the details of which are kept by the Payer in the e-wallet provided by the Operator. When making the Transfer with the linked Card, the Transfer order shall be sent by the Payer via e-wallet provided to him or her by the Operator and shall include increase of the remaining balance of the Payer’s e-money, accounted by Operator, and transfer of the remaining balance (or part of it) in favor of Recipient in the amount specified by the Payer.
    6.6. Rights and Obligations of the Parties when making the Money transfers paying for the Goods on credit taken at Tinkoff Bank JSC
    6.6.1. If the Payer uses funds loaned at Tinkoff Bank JSC to pay for Goods, the Operator notifies the Supplier about ordering the Good as stipulated by the Protocol on Information Exchange. The Supplier should provide the Good selected by the Payer within 7 (seven) days from the day the notification is received.
    6.6.2. The Operator sends the Notification on Transfer or notification on the order cancel to the Supplier as stipulated by the Protocol on Information Exchange. Upon receiving the Notification on Transfer, the Supplier should transmit the Good specified in the order as set forth by the contract entered into with the Payer. Upon receiving the notification on cancel, the Supplier's obligation specified in sub-clause 6.6.1. of the General Terms and Conditions seizes.
    6.6.3. The Payer should refund the amount loaned at Tinkoff Bank JSC and used for paying for the Good via the Refund or Cancel of the Transfer under any condition stipulated by the contract entered into between the Payer and the Supplier.
    6.6.4. The Supplier should provide documents confirming the Good paid for by the funds loaned at Tinkoff Bank JSC was transmitted to the Payer within one business day after receiving the corresponding request from the Operator.
    6.6.5. The Supplier should post information about an option of purchasing the Good with the funds loaned at Tinkoff Bank JSC on their website in accordance with the regulations set forth at https://www.kupivkredit.ru/requirement.

    7. Provider. Rights and Obligations of the Parties

    7.1. The Operator undertakes to provide to the Provider, for a fee, information and technology services including, inter alia, collection, processing and transmission of information on the Money transfers in favor of the Provider, clients of the Provider or clients the credit organizations that are partners of the Provider.
    7.2. The Provider undertakes to ensure that the Recipients fulfill the requirements specified in sub-clauses 6.1.3, 6.1.6, 6.1.7, 6.2.3, 6.5.2—6.5.4 of these General Terms and Conditions.
    7.3. When making the Transfers in favor of the clients of the Provider or of the credit organization that is the Provider's partner, the Provider undertakes the following:
  • completing all the Money transfers timely in accordance with the Payer's order;
  • establishing and conducting valid contractual relations with the Recipient.
  • 7.4. Provisions of clause 6 of the General Terms and Conditions are applicable to the relations of the Operator and the Provider unless otherwise is stated in this section 7.

    8. Agent. Rights and Obligations of the Parties.

    8.1. General Provisions
    8.1.1. The Agent undertakes engaging the Merchants for entering into the Contract with the Operator for remuneration acting from their name at the Operator's expense.
    8.1.2. The Agent cannot enter into any deals on behalf of the Operator.
    8.1.3. The services provided by the Agent include the following:
    (a) posting the Requests for the Merchants wishing to enter into the Contract with the Operator on the information resources specified in the Contract throughout the term of the Contract
    (b) posting the information about the approximate price of services provided by the Operator to the Merchants on the information resources specified in the Contract throughout the term of the Contract.
    Information about the approximate price of services and the form of the Request are brought to the Agent’s notice by the Operator in the message sent to the Agent’s e-mail address specified in the Contract.
    (c) collecting and transmitting of Requests filled out by the Merchants to the Operator.
    8.1.4. If the Merchant fills out the Request unsuccessfully, the Agent shall inform the Merchant about the relevant fact with indicating of errors made during forming or processing the Request.
    8.1.5. If the Agent successfully receives the Request duly completed by the Merchant, the Agent sends to the Operator the information contained in this Request in real-time mode to the Operator’s e-mail address merchants@yamoney.ru indicating in the subject line ‘Request for connection of the store from ____ (the Agent’s name)’.
    8.1.6. The Agent is aware and agrees that entering into the Contract between the Operator and the Merchant that has sent the Request to the Operator with the Agent’s assistance is not the Operator’s responsibility.
    8.1.7. The Operator undertakes to provide the Agent with information about the conditions and terms of interaction between the Operator and Merchants that is required for work management and attracting of the Merchants at the Agent’s request.
    8.1.8. The services specified in sub-clause 8.1.1. of the General Terms and Conditions are considered to be provided by the Agent in the event of making Transfers under the Contract entered into between the Operator and the Merchant on the basis of the Request transmitted by the Agent and expires in a one year from the date of the Contract with the Merchant.
    8.1.9. If the Operator sends to the Agent a message about changing the form of the Request and/or the cost of Operator’s services via e-mail, the Agent shall make proper changes to the information posted on its resources no later than the day following the day of receiving the message from the Operator.
    8.1.10. The Agent shall provide to the Operator the Letter about existence or absence of the Agent’s representation on the territory of Russia and apostilled Certificate of tax residence.
    8.2. The Agent’s Remuneration and Account Settlement
    8.2.1. The Operator undertakes to pay the Agent a remuneration for services provided in the amount agreed upon by the Parties in the Contract. The remuneration includes VAT at the statutory rate, if the Agent is a VAT payer. The Agent—Non-resident’s remuneration includes all the taxes due by laws of the country of its location that are accounted and paid by the Agent—Non-resident independently.
    8.2.2. The remuneration for the Reporting month is calculated in the Currency of the Operator’s obligation to pay remuneration to the Agent and paid by the Operator within 5 (five) Working days from the date the Operator has received the Agent's Report during the Reporting period signed by the Agent in the manner stipulated by sub-clause 8.3.4. of the General Terms and Conditions.
    8.2.3. If the Currency of the Services, in payment of which the Transfers are made under the Contract between the Operator and the Merchant, is different from the Currency of the Operator’s obligation to pay remuneration to the Agent, the Agent’s remuneration shall be paid by the Operator in the Currency of the obligation at the rate of the Currency of the obligation to the Currency of the Services established by the Bank of Russia on the day of the payment increased by five percent.
    8.2.4. The Currency of the Services and the Currency of the Operator’s obligation to pay remuneration to the Agent set forth in the Contract.
    8.2.5. Any expenses (costs) incurred by the Agent when performing their obligations under the Contract are accounted in the amount of the Agent’s remuneration and are not subject to additional compensation by the Operator.
    8.2.6. The Operator shall pay the Agent’s remuneration for the accounting period excluding taxes due by the legislation of Russia.
    8.2.7. The Agent has no right for receiving the Agent’s remuneration after 12 month from the date of the Contract between the Operator and the Merchant.
    8.3. Accepting of the Services Rendered by the Agent
    8.3.1. Not later than the 5th (fifth) day of the month following the Reporting month, the Operator sends to the Agent’s e-mail address specified in the Contract the Agent's Report according to the form in annex 2.5 to the General Terms and Conditions for the Reporting period.
    8.3.2. Within 5 (five) days from the date of receiving the Agent's Report, the Agent is obliged to approve and send this Act to the Operator via email to the address shoppay@yamoney.ruor to send its objections in the same order. If the Agent’s objections regarding the information contained in the Agent's Report are found to be justified, the Parties undertake to draw up a discrepancy report and include the amounts contained in it in the Agent's Report during the next Reporting month no later than in 3 (three) Working days from the date of receiving the Agent’s objections by the Operator.
    8.3.3. Within 3 (three) Working days from the date of receiving from the Agent the agreed upon Agent's Report, the Operator shall sign and send to the Agent two copies of the Agent's Report agreed upon.
    8.3.4. Within 3 (three) Working days from the moment of receiving from the Operator the signed Agent's Report in hard copy, the Agent is obliged to send to the Operator a copy of the Agent's Report signed with their hand and the invoice (if the Agent is a VAT payer).
    8.3.5. If the Parties have certificates of electronic signature verification keys issued by the same or different accredited certifying centers and allowing the Parties to conduct electronic interaction, the Parties agree upon the Agent's Reports services through the exchange of documents signed with qualified electronic signature, in the terms established by sub-clauses 8.3.1—8.3.4. of the General Terms and Conditions. The exchange of the Agent's Reports in hard copies is not required in this case.

    9. Verification of Data on Transfers, Deposits, and Accepted Cash in the Yandex.Money Service

    9.1. Verification of data on the cash received by the Payment agent, Transfers and Deposits in the Service Yandex.Money is carried out daily.
    9.2. Operator sends daily:
    9.2.1. To the Payment agent—the Register of funds, the notifications of acceptance of which is received by the Operator according to the Protocol of Information Exchange for the Reporting day, not later than 9 hours 00 minutes of Moscow time on the calendar day following the Reporting day.
    9.2.2. To the Bank—the Register of Transfers, Notifications of which is received by the Operator according to the Protocol of Information Exchange for the Reporting day, before 11 hours 59 minutes and 59 seconds of Moscow time on the calendar day following the Reporting day.
    9.2.3. To the Sender—the Register of Deposits made by the Operator for the Reporting day, before 11 hours 59 minutes and 59 seconds of Moscow time on the calendar day following the Reporting day. The Deposit amount returned to the Sender according to the sub-clause 5.2.5 of the General Terms and Conditions on the day they are made are not included in the Register of the Deposits.
    9.2.4. To the Sender having not chosen the Deposits Agent application—the Register of the Deposits returned by the Operator during the reporting day according to the sub-clause 5.2.5. of the Terms and Conditions before 11 hours 59 minutes and 59 seconds of Moscow time on the calendar day following the Reporting day.
    9.2.5. To the Merchant (to Provider)—the Register of Transfers, the Notifications of which are sent by the Operator according to the Protocol of Information Exchange for the Reporting day, before 11 hours 59 minutes and 59 seconds of Moscow time on the calendar day following the Reporting day.
    9.2.6. To the Merchant (to Provider) having implemented the MWS Protocol or using the Personal account or other method agreed upon by the Parties for refunds—the Register of Transfers, the Refund of which was made by the Operator for the Reporting day, before 11 hours 59 minutes and 59 seconds of Moscow time on the calendar day following the Reporting day.
    9.3. The Registers are sent to the Counterparty’s e-mail address specified in the Application or the Contract, and signed by the Operator’s electronic signature in the manner stipulated by the Agreement on electronic document flow.
    9.4. Forms of the Registers are posted on the following websites:
    For the Merchant (Provider)—https://tech.yandex.ru/money/doc/payment-solution/payment-registers/payment-registers-about-docpage/
    For the Payment agent, the Bank—https://tech.yandex.ru/money/doc/payment-solution/deposition/registers-docpage/
    For the Sender—https://tech.yandex.ru/money/doc/payment-solution/payout/registers-docpage/.
    9.5. In case of discrepancy with the contents of the Register received from the Operator, the Counterparty informs the Operator about the detected discrepancies not later than 11 hours 59 minutes and 59 seconds of Moscow time on the calendar day following the day of receiving the contested Register from the Operator. The message shall be sent via e-mail to the Operator’s addresses
    If the Counterparty makes no commentaries and/or the Counterparty defaults the term set forth by this sub-clause, the information contained in the Register shall be considered as confirmed without a comment.
    9.6. If the Counterparty indicates discrepancies between the data in the Register and the data available to the Counterparty after expiration of the period specified in sub-clause 9.5., the Counterparty shall be entitled to notify the Operator about the relevant objections to the Register. Should these objections be recognized as valid, the Operator takes them into account in the Register for any of the Reporting days after receiving the Counterparty’s objections.

    10. Use of Trademarks and Other Means of Individualization. Requirements for the Counterparty's Website and User's Payment Interface

    10.1. The Operator's trademarks.
    The Counterparty is entitled to use the Operator’s trademarks posted on https://money.yandex.ru/doc.xml?id=522991 in the manner set forth by this clause 10 of the General Terms and Conditions.
    10.2. Utilizing the trademarks specified in sub-clause 10.1 of the General Terms and Conditions is only allowed when executing the Contract in accordance with the following conditions:
    10.2.1. The trademarks should be posted on the homepage of the Counterparty’s website or on the page informing about the methods of paying for the Counterparty’s services, or in the construction kit for the Counterparty’s payment forms that the Counterparty posted on the websites of the third parties, and they should readdres to the Operator’s site https://money.yandex.ru upon clicking on them.
    10.2.2. In addition to the trademarks on the indicated pages of the site, the Counterparty shall have the right to post information about the Operator and its services for clients, as well as a brief description of the Operator’s services and conditions of making payments through the Operator.
    Information about making payments through the Operator should be available for unregistered payers and should be posted prior to ‘Pay’ (or similar in meaning) button.
    10.2.3. If the Counterparty is an intermediary that offers the Operator’s services on a ‘turnkey’ basis among other means of payment via the construction kit for the payment forms to the third parties, the Counterparty undertakes to agree upon the logic of the payment form on the third parity's website and its design with the Operator in writing.
    10.2.4. The Counterparty guarantees that the technical solution that he/she implementes for evoking the Operator’s payment form on his/her website or on a third party’s website through the construction kit for the Counterparty’s payment forms works with all popular Internet browsers, including Microsoft Internet Explorer version 8.0 and above, Mozilla Firefox version 3.0 and above, Google Chrome, Opera version 10 and above, Opera Mini and Safari version 4 and above.
    10.2.5. An incompatibility of the user’s privacy settings or technical implementation features on the Counterparty’s side or the third party’s website with the use of the construction kit for the Counterparty’s payment forms with an Internet browser should not cause evoking of the Operator’s payment form to be blocked be it initiated via the link posted on the Counterparty's website or through the construction kit for the Counterparty’s payment forms on the third party’s website.
    10.2.6. The trademark and a link to the Operator’s payment form should be presented on the Counterparty’s website or in the construction kit for payment forms in the volume not less than the corresponding trademarks of the third parties’ payment solutions.
    10.2.7. The Counterparty is not allowed to mark out logos of other payment solutions or links to them diminishing visualization of the Operator's trade mark by creating an additional step (unevident for the payer) for proceeding to selection of the Operator's payment form either on its site or in the construction kit on a third party's site.
    10.2.8. The Counterparty should preliminary agree upon visualization of the Transfer process.
    10.2.9. The Counterparty does not have the right to provide any advantage concerning visualization of the payments process for other payment solutions.
    10.2.10. Posting the Operator’s trademarks by the Counterparty in promotional and information materials, references to it in the media, including information and journalistic publications, and posing them on any Internet resource are only possible after the prior approval of location, content and form of the information by the Operator.
    10.3. The Counterparty is obliged to post the Operator’s trademarks referred to in paragraph 10.1. of the General Terms and Conditions on its website, if the Operator sends the relevant requirements.
    10.4. The Counterparty is obliged to remove from its website and other information resources the trademarks, and any other information about the Operator not later than 1 (one) day from the date of receiving the relevant requirements from the Operator.
    10.5. The Counterparty's trademarks.
    The Operator has the right to place trademarks of the Counterparty or third party, other means of individualization of the Counterparty (third party), provided as such by the Counterparty in accordance with paragraph 10.6. of the General Terms and Conditions.
    10.6. The Counterparty is obliged to send to the Operator’s e-mail address ecommerce@yamoney.ru the images of the trademark or other means of individualization of the Service, Counterparty (third party) in .gif format, 88*31 pixels, non-animated, for their posting by the Operator in accordance with this clause 10 of the General Terms and Conditions not later than 5 (five) Working days from the date of entering into the Contract. If the Counterparty provides the third parties’ means of individualization, the Counterparty shall have duly executed written consent of the concerned person for such placement.
    10.7. Information about the Counterparty can be posted on/in:
  • any Operator’s site
  • any sites of other Counterparties for the purposes of informing about possibility of the Money transfers to/from the Counterparty
  • the Mobile apps of the Operator
  • in the Mobile apps of other Counterparties for the purposes of informing about possibility of the Money transfers to/from the Counterparty
  • ATMs, cash-in kiosks, any other devices for the purposes of informing about possibility of the Money transfers to the Counterparty via such device.
  • 10.8. The site of the Counterparty should meet the following requirements:
    10.8.1. it should contain a description of the Counterparty’s services, conditions, provisions, terms, regions of delivery of products (services, works), conditions and procedure for the return of funds, corporate name, TIN, legal and postal address, phone number, and e-mail address
    10.8.2. All pages associated with the products’ realization should be under a single domain name. Moreover, if the Counterparty is a person who has registered a domain name used by the website, he or she must provide documents proving the legal grounds for the use of the corresponding website
    10.8.3. The website should be maintained. All internal site links should be working and adequately processed
    10.8.4. The website must not contain any information (text, graphic, or any other kind), the distribution of which is contrary to applicable law or morality and ethics, as well as links to websites containing such information.
    Such information includes, for example: promotion of any form of violence, drugs, terrorism, ethnic strife, prostitution, etc.
    10.9. The Parties shall guarantee that they do not violate copyright or other rights of third parties, and that they use the trademark or other means of individualization they transmit to each other in accordance with these General Terms and Conditions.

    11. Accepting Funds by the Counterparties

    11.1. When making the Transfer or receiving the cash, the Payment agent and Bank may only request as mandatory the information the identifier (number of the Client’s electronic mean of payment in the Yandex.Money Service, phone number linked with it, and login or the payment code), and the transaction amount.
    Requesting any additional information by the Payment agent or Bank when accepting funds in the amount not required for the Payer’s identification, and making other requirements to the Payer (registration, subscription to information services, request of the personal data, etc.) as a mandatory condition for receiving cash is prohibited without the written permission of the Operator.
    11.2. If the Banks and Payment agents use ATMs, payment kiosks, and online banking when receiving cash and making the Transfers, they should ensure compliance with the following requirements to their interfaces:
    11.2.1. Payment Kiosks, ATMs, and Online Banking with Graphic Elements
    The logo provided by the Operator should be the first button that allows making Payment or receiving cash. The button should be located on homepage and in the section ‘Electronic Money (Commerce, etc.)’. The button Yandex.Money should lead from the main page and the section ‘Electronic Money (Commerce, etc.)’ to a single page of adding money to the Client’s balance with the following hint specified: ‘Enter your Yandex.Money account number (or your linked phone number), or a payment code’.
    11.2.2. Payment Kiosks, ATMs, and Online Banking without Graphic Elements
    Link/button ‘Yandex Payments’ should be located on the main page. Moreover, the section ‘Electronic Money (Commerce, etc.)’ must also contain link/button ‘Adding money to Yandex.Money balance’.
    Button ‘Yandex Payments’ from the main page and button ‘Adding money to Yandex.Money balance’ from the section ‘Electronic Money (Commerce, etc.)’ should lead to a single page of adding of the Client’s electronic funds, which should contain the following tip: ‘Enter your Yandex.Money account number (or a linked phone number), or a payment code’.
    11.2.3. Adding Money in Retail Outlets and Cash Registers
    In the application on accepting of cash, a field for entering a number of the Client’s electronic mean of payment should contain the following commentary: ‘Enter your Yandex.Money account number (or a linked phone number), or a payment code’.
    11.3. Receipts issued to the Payers at payment kiosks/ATMs and cash registers and the page of the Payment success in online banking should contain information about the Transfer recipient.

    12. Liability of the Parties and Procedures for Dispute Resolution

    12.1. The Parties shall be responsible for any failure to perform their obligations under the Contract in accordance with the legislation.
    12.2. For the failure to perform any of the obligations stipulated by sub-clause 3.1.4. of the General Terms and Conditions, the Payment agent shall pay to the Operator a penalty of 5,000 (five thousand) Russian rubles for each case unveiled.
    12.3. For violating limitations on the remuneration amounts set forth by the Contract and charged from individual, the Payment agent shall pay to the Operator a penalty of 5,000 (five thousand) Russian rubles for each identified case.
    12.4. For the failure to perform any of the obligations set forth by sub-clause 3.5.6. of the General Terms and Conditions, the Payment agent shall pay to the Operator a penalty in the amount of cash received by the Payment agent and sub-agents in violation of this sub-clause.
    12.5. For the failure to perform any of the obligations set forth by sub-clause 3.2.8. of the General Terms and Conditions, the Payment agent shall pay to the Operator a penalty of 10,000 (ten thousand) Russian rubles for each identified case.
    12.6. For the failure to perform any of the obligations set forth by sub-clause 3.3.2. of the General Terms and Conditions, the Payment agent shall pay to the Operator a penalty of 20,000 (twenty thousand) Russian rubles for each identified case.
    12.7. For the failure to perform any of the obligations set forth by the first paragraph of sub-clause 3.3.6. of the General Terms and Conditions, the Payment agent shall pay to the Operator a penalty of 50,000 (fifty thousand) Russian rubles for each identified case.
    For the failure to perform any of the obligations set forth by the second paragraph of sub-clause 3.3.6. of the General Terms and Conditions, the Payment agent shall pay to the Operator a penalty in the amount of the total sum of all transactions made by the relevant sub-agent after the expiration of the specified in the said paragraph term of this sub-agent’s disjoint by the Payment agent.
    12.8. For the delay in performance of its obligation under sub-clause 4.2.4. of the General Terms and Conditions, the Bank shall pay to the Operator a penalty in the amount of 0.3% (zero point three percent) of the outstanding amount for each day of delay at the written request of the Operator.
    12.9. For charging the Payers with a remuneration in excess of the limit established by the Contract, the Bank shall pay to the Operator a penalty of 10,000 (ten thousand) Russian rubles for each identified case at the written request of the Operator.
    12.10. If the Transfer, about which the Bank sent the Notification to the Operator, is recognized to be performed without the Payer’s consent as well as, due to a technical error, willful or reckless acts of by the third parties, etc. the Bank’s obligation to remit the amount of such Transfer to the Operator remains and must be performed in accordance with these General Terms and Conditions. The Bank shall be responsible to the Payer for the Transfer made without the consent of the Payer.
    12.11. The Operator shall not be responsible for the Merchant’s, Provider’s, Bank’s, or Sender’s performance of their obligations to the Payers or the Clients.
    12.12. If the court decision to collect funds on the dispute related to the execution of Order on the Deposit amount transfer from the Operator in favor of an individual comes into legal force, the Sender is obliged (only if the Operator performed actions under the second subparagraph of this paragraph) to compensate the Operator’s loss in full amount collected from the Operator on the basis of the relevant judicial act including the amount of court expenses collected from the Operator within 10 (ten) Working days from the date of receiving Operator’s claim with a copy of an enforceable court decision.
    If an individual has a claim to the Operator on the grounds specified in the first paragraph of this sub-clause, the Operator shall notify the Sender about receiving such claim for settlement and declare in the hearing of first instance a petition for attracting the Sender to participate in the relevant proceedings as a third party.
    12.13. The Merchant independently resolves any disputes with the Payers arising in case of discrepancy of the amount of the Transfers made by the Operator to the tariffs (price list) of the Merchant.
    12.14. If the court decision to collect from the Operator in favor of third party funds on the grounds of unauthorized (without the written consent of the third party, provided for in sub-clause 10.6. of the General Terms and Conditions) usage of this party’s means of identification provided by the Counterparty as such by the Operator comes into legal force, the Counterparty is obliged (only if the Operator performed actions under the second subparagraph of this paragraph) to compensate the Operator’s loss in full amount collected from the Operator on the basis of the relevant judicial act including the amount of court expenses collected from the Operator within 10 (ten) Working days from the date of receiving the Operator’s claim with a copy of an enforceable court decision.
    If the third party has a claim to the Operator on the grounds specified in the first paragraph of this sub-clause, the Operator shall notify the Counterparty about accepting such claim for settlement and declare in the hearing of first instance a petition for attracting Counterparty to participate in the relevant proceedings as a third party.
    12.15. In case of dispute between the Operator and the Merchant on receiving by one of the Parties any document/notification posted on the Personal account, making changes to it, access and use of the Personal account in violation of the Contract, the burden of proof lies on the Party relying on such circumstances.
    12.16. In case of dispute between the Operator and the Merchant on eligibility of providing access by the Operator to the Personal account, the Operator uses the software that was used for forming and verifying the authorization data of the Merchant, and shall render its decision. The Counterparty has the right to challenge this decision in court.
    12.17. If the third party collects from the Operator the funds due to the implementation by the Merchant of the Services in violation of the requirements of the legislation of Russia, generally accepted norms of morality and ethics, and the sale of the Services, about which the Merchant has not notified the Operator in the manner stipulated by sub-clause 6.1.6. of the General Terms and Conditions, the Merchant shall reimburse to the Operator the amount of funds collected within 3 (three) Working days from the date of receiving the relevant request of the Operator.
    12.18. The Counterparty’s obligation to pay the forfeit penalty provided for in this clause 12 of the General Terms and Conditions arises in the event of receiving an appropriate request from the Operator. The Counterparty is obliged to pay the amount of the forfeit penalty specified in requirement within 5 (five) Working days from the date of its receipt.
    If the Counterparty does not perform its obligation to pay the forfeit penalty in term established by the first paragraph of this sub-clause, the Operator has the right to use a part of the Security equal to the sum of the unpaid forfeit penalty for its benefit.
    12.19. Any disputes and disagreements between the Parties under this Contract or in connection with it shall be settled by Arbitration Court of Moscow or by Arbitration Court of Saint Petersburg and Leningrad Oblast with the use of substantive and procedural law of the Russian Federation.
    12.20. Ни одна из Сторон не несет ответственности перед другой Стороной за неисполнение или ненадлежащее исполнение обязательств по настоящему Договору, обусловленное действием обстоятельств непреодолимой силы, то есть чрезвычайных и непредотвратимых при данных условиях обстоятельств, в том числе объявленной или фактической войной, гражданскими волнениями, эпидемиями, блокадами, эмбарго, пожарами, землетрясениями, наводнениями и другими природными стихийными бедствиями, изданием актов органов государственной власти.
    Сторона, которая не исполняет или не сможет исполнять свои обязательства вследствие действия обстоятельств непреодолимой силы, должна не позднее чем в трехдневный срок с момента наступления обстоятельств известить другую Сторону в письменном виде о таких обстоятельствах и вправе приостановить исполнение по Договору.
    В случае неисполнения Стороной обязанности, предусмотренной в настоящем пункте, она лишается права ссылаться на обстоятельства непреодолимой силы как на обстоятельство, освобождающее ее от ответственности за ненадлежащее исполнение или неисполнение обязательств по настоящему Договору.
    При указанных обстоятельствах любая из Сторон вправе отказаться в одностороннем порядке от исполнения договора в порядке п.14.2. Договора.

    13. Confidentiality

    13.1. The fact of entering into the Contract is not considered by the Parties as confidential information.
    13.2. The Parties undertake not to disclose the following information:
    • terms of the Contract
    • number and amount of the Transfers, Deposits, or amounts of cash received under the Contract
    • statistical data, based on comparison of amounts of the Transfers, Deposits, amounts of cash received under the Contract, and similar data of other payment operators
    • other information received by the Parties in the implementation of their obligations under the Contract, except in cases where еру Party is obliged to provide such information in accordance with legislation of Russia or legislation of the country of the Party’s location.

    14. Altering and Terminating of the Contract

    14.1. The Contract is made for an indefinite period.
    14.2. Either Party has the right to unilaterally withdraw from further performance of the Contract. For these purposes this Party notifies the other party of their intention in writing no later than thirty (30) calendar days prior to the expected date of refusal to perform under the Contract. The Notification must be furnished in hard copy and indicate the reason of the Contract termination.
    14.3. Obligations of the Parties under the Contract arising prior to its termination remain until their complete fulfillment.
    14.4. In case of non-compliance by the Payment agent with the requirements of article 14 of the Federal law ‘On national payment system’, and other terms of attracting the Payment agent under the Contract and legislation requirements on counteraction to legalization (laundering) of income obtained by criminal means and terrorism financing, the Operator has the right to withdraw from the execution of the Contract with Payment agent unilaterally. In cases provided for in this clause, the Contract is terminated on the day following the day of receiving the written the Operator’s notice by the Payment agent, which should indicate the specific violations committed by the Payment agent.
    14.5. The Operator is entitled to unilaterally amend any of the terms of these General Terms and Conditions and the Contract entered into between the Operator and the Counterparty including conditions relating to the remuneration for services rendered under the Agent or the Payment agent’s remuneration. The Operator shall notify the Counterparty about altering the conditions contained in the Contract or the Application by sending a message via email no later than 3 (three) Working days before the date of entry into force of the alterations. Alterations to these General Terms and Conditions enter into force and become binding for the Parties from the moment of their publication on the Operator’s Site and do not require sending notifications by the Operator to the Counterparty. Entering into the additional agreement to the Contract between the Parties due to change of its terms according to this paragraph 14.5. is not required.
    14.6. In case of change of the Contract conditions in accordance with paragraph 14.5. of the General Terms and Conditions, the Counterparty shall be entitled to withdraw from execution of the Contract by giving notice to Operator in hard copy within 3 (three) Working days from receiving the notification about altering of the Contract or posting changes on the Operator’s Site.
    14.7. The Parties have the right to include into the Contract or the Application the terms that differ from these General Terms and Conditions. In case of contradiction of the General Terms and Conditions to the terms of the Contract (the Application) the Parties apply the terms of the Contract (the Application).

    15. Other Conditions

    15.1. All of the following annexes to these General Terms and Conditions are posted on the Operator’s Site and are integral parts of the General Terms and Conditions:
    Annex 1. Agreement on Electronic Document Flow
    Annex 2.1 Form of the Act on Services rendered (for the Banks)
    Annex 2.2 Form of the Act on services rendered (for the Senders)
    Annex 2.3 Form of the Act on services rendered (for the Merchants and Providers)
    Annex 2.4 Form of the Act on services rendered (for the Merchants and Providers)
    Annex 2.5 Form of the Agent's Report
    Annex 2.6 Form of the Payment agent’s Report
    Annex 3 Form of the list of transactions locations
    Annex 4 List of the Counterparty’s documents
    Annex 5 Table of payment methods
    Annex 6 Form of the Contract with Agent
    Annex 7.1 Form of the Contract with Resident Bank
    Annex 7.2 Form of the Contract with Non-resident Bank
    Annex 8.1 Form of the Contract with Resident Sender
    Annex 8.2 Form of the Contract with Non-resident Sender
    Annex 8.3 Application form for Resident Senders, individual entrepreneurs
    Annex 8.4 Application form for Resident Senders, legal entities
    Annex 8.5 Application form for Non-resident Senders
    Annex 8.6 Application form for Non-resident Senders, individual entrepreneurs
    Annex 9.1 Form of the Contract for Resident Merchants
    Annex 9.2. Form of the Contract for Non-resident Merchants
    Annex 9.3 Application form for Resident Merchants, individual entrepreneurs
    Annex 9.4 Application form for Resident Merchants, legal entities
    Annex 9.5 Application form for Non-resident Merchants
    Annex 9.6 Form of the Contract for Non-resident Merchants who are individual entrepreneurs
    Annex 10.1 Form of the Contract for Resident Providers
    Annex 10.2 Form of the Contract for Non-resident Providers
    Annex 11.1 Form of the Agency Contract for Residents
    Annex 11.2 Form of the Agency Contract for Non-residents
    15.2. Neither Party shall be entitled to assign its rights and obligations under the Contract to third parties without written consent of the other party.
    15.3. In case of discrepancy between the Russian and English text of the Contract or the General Terms and Conditions, the Russian version should prevail.
    15.4. The Counterparty’s e-mail address specified in the Application or the Contract will be used for information interaction between the Parties when executing the Contract. All e-mail messages sent from e-mail addresses of the Counterparty specified in the Contract or the Application are recognized as coming from the authorized person of the Counterparty. Sending messages by the Operator to any email addresses of Counterparty (regardless of the stated purpose of using e-mail addresses) of the contained in the Contract or the Application is recognized as the proper notice to the Counterparty of legally significant actions and events, except cases where the obligation to notify the other Party in writing, on paper or by email directly covered by the General Terms and Conditions. In cases where the General Terms and Conditions provide the Counterparty’s right to use electronic communication for information interaction, sending e-mail messages by the Counterparty from e-mail addresses specified in the Contract or the Application is recognized as proper notice to the Operator.
    15.5. The Counterparty is obliged to notify the Operator in writing in hard copy about any events that may affect the performance of the Contract within three days, including change of its name, location, physical address, bank details, the address of the Internet site, contact information, and e-mail addresses for the information interaction in accordance with sub-clause 15.4. of the General Terms and Conditions.
    The Merchant that has been provided with the Personal account may change the e-mail address used for information interaction by placing the relevant information in the Personal account.
    15.6. The Operator’s contact information
    Actual addressTimura Frunze 11, b. 44, Moscow, 119021, Russia
    Address for correspondenceTimura Frunze 11, b. 44, Moscow, 119021, Russia
    POB 57, Moscow, 119021, Russia
    Telephone+7 (495) 739-23-25
    Fax+7 (495) 739-22-11

    Email addresses
    For Merchants and ProvidersRegarding negotiation of the Registers: shoppay@yamoney.ru
    Regarding technical matters: yamoney_shop@yamoney.ru
    Other matters concerning entering into the contract, its altering, and execution: ecommerce@yamoney.ru
    For SendersFor the Applications: merchants@money.yandex.ru
    Concerning negotiation of the Acts on services rendered and the Registers: daygate@yamoney.ru
    Financial matters: finance.moscow@yamoney.ru
    Technical matters: gateway@yamoney.ru
    Other matters concerning execution of the contract: merchants@money.yandex.ru
    For BanksRegarding negotiation of the Acts on services rendered and the Registers: daygate@yamoney.ru
    Refunding of the Transfers: otmena-banks@money.yandex.ru
    Financial matters: finance.moscow@yamoney.ru
    Technical matters: gateway@yamoney.ru
    Other methods concerning execution of the contract: infobanks@yamoney.ru
    For Payment agentsRegarding negotiation of the Registers: daygate@yamoney.ru
    Refund of the money credited: otmena-banks@money.yandex.ru
    Regarding negotiation of the Agent's Report negotiation and financial matters: finance.moscow@yamoney.ru
    Technical matters: gateway@yamoney.ru
    Other matters regarding execution of the contract: infobanks@yamoney.ru
    For AgentsFor the Requests: merchants@money.yandex.ru
    Concerning negotiation of the Agent's Reports: shoppay@yamoney.ru
    15.7. The Operator has the right to terminate any financial obligation of the Counterparty to the Operator by set-off of a counterclaim. At the initiative of the Operator, the financial obligation of the Operator to the Counterparty the term of performance of which has not come may be also terminated by set-off of a counterclaim. Obligations are terminated by set-off as stipulated by this sub-clause 15.7 on the day of sending an application about the set-off in electronic form or in hard copy by the Operator to the Counterparty.
    15.8. The relationship of the Operator and the Counterparty having entered into the contract on information and technology interaction throughout the implementation of transfers from individuals without opening an account through accepting of the Counterparty’s offer by the Operator in the application form before the date of publication of these General Terms and Conditions on the Operator’s Site are regulated by the General Terms and Conditions governing the relationship between the Operator and the Merchant.
    15.9. The relationship of the Operator and the Counterparty having entered into the contract on the information and technology interaction when transferring funds in favor of individuals by the Operator’s acceptance of the Counterparty’s offer in the application form before the date of publication of these General Terms and Conditions on the Operator’s Site, are regulated by the General Terms and Conditions governing the relationship between the Operator and the Sender.
     
    Publication date: 21 October 2016